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Unfortunately I with all due respect really do not know anything further to offer, you asked how to check it overheating which means you would be checking temperature, to which I explained the only way that you can without dealer diagnostic tool/software, however now your saying your unhappy with my info as you cannot test it in the intercoastal water way to which I never stated for you to check it there. You would drive out of the way of other vessels and check it, without doing either of the above that I mentioned then there is no way that you can check for overheating or temps and you will then need to instead take it to a professional which will do the tests I explained. Please understand, how can you check for overheating without checking temps? That is what I am getting at and thus why you would need to preform the tests I mentioned or have dealer diagnostic tool.
Again just in case I was not clear or misunderstood something, your question was regarding overheating and how to check over heating to which my replies were aimed at the two options, one would be using a tool to actually check temps at various areas such as a ir temp gun (which is used by a professional to confirm overheating or any temps for that matter) or diagnostic software.
Please let me know if I can assist you in any other way/you have any other questions.