I'm just going to put this here: you're comparing Marine applications to land, and that is just hilarious...
Lets not forget cooling is not an issue for marine applications unless you're in an area that water injection temps are above 80 degrees, and even then, unless you're running a very hot system *nuclear reactor* it's not going to make much difference.
Just for comparison we ran 12cyl Fairbanks and Morse for days on end with seawater injection temps around 87 degrees, and temps stayed fine.
You also have to figure MTU's in the CC boats don't get worked very hard at all. You CANNOT compare civilian applications to military. Yes military is lowest bidder, but they also have to deal with some of the dumbest people you'll ever meet operating them.
I've seen guys who didn't know what end of a screwdriver to turn, operate those boats. The military knows this, so they put things in place so that you never get close to the operation limits of machinery.