I think we're on the same page. For both types of subscriptions ($49 flat fee or $4.95 per boat) each member will have only one user account in the system (one log in), but you will have to set up their percentage on each boat you want them to have access to. For example:
Boat 1
- Sally - 10%
- Bill - 25%
- James - 25%
Boat 2
- Sally - 10%
- Bill - 25%
Boat 3
- Sally - 10%
- James - 25%
- Wilson - 50%
Sally's uses on Boat 1 are separate from her uses on Boat 2. We did it this way so a member's percentage on Boat 1 could be different then her percentage on Boat 2, etc.
In terms of time, once you have a member in your system, it is very easy to add her to the different boats you have.
Let me know if you have any other questions.