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As a newbie I bought a new 2016 Chapparal 246 SSI, 300HP boat in Sept 2016 and the engine coupling failed at 88 hours. The manual said to lube it at 50 hours and with scheduling I had the marina lube it at 68 hours. Twenty hours later it failed and left my family adrift on the lake June 2018. The marina said they had seen engine couplings last for years and they'd look for defects when repairing ($1300). Mercury declined any warranty support. My question: Did I do something wrong that caused this problem? Too much indle time? Gear change at above a certain RPM? Did I hit something?