also adding a oil temp gauge to see where you are there would be a big help as well

When I changed the oil, their was no water in the oil. I have no issues with over heating. At the atart of the season I put a brand new quicksilver/tall oil filter and change all fluids. I havent check the lines but I will do that. I was thinking a clog as well somewhere and possibly changing the oil pump. Also at the start od the season I put in a 20-50w synthetic blend oil. Other then that I have had no problems what so ever with the boat. Thanks for the help.