Somewhere between the dock hose and the far side of the weather window, water and fuel stop being numbers on a spec sheet and start being the things that decide your options. I’ve seen plenty of boats with big tanks that still ran short, and smaller boats that never seemed to.
The trick is remembering that a tank is only as good as what you can actually draw from it when the boat’s heeled, the filters are grumbling, and the crew has decided saltwater showers were a bad idea. Add in waste capacity and shore facilities, and you’ve got a quiet little system that either behaves—or keeps you busy at midnight.