We sail a 1990 34 vs. a 38 so no conclusion based on experience can be drawn, although I will render a couple of points/opinions which others may either support or refute.
1. Our smaller original Raymarine linear drive (30 years old with lots of miles/hours) is significantly more than powerful enough for our boat and still working great.
2. When using Raymarine’s ratings, which are meant to universally cover all boats of X to Y displacement, also must include those with some seriously heavy helm pressures. On your Cabo Rico, being a very well balanced boat, helm pressure is significantly lower than what is likely the maximum expected pressure limits on the heavier linear drive. So the smaller drive may very well be adequate.
Any others thoughts?
Cheers