Tom, Thunder is telling you right, and probably as completely as anyone can on a forum like this. It all depends on what you need the boat to do.
I run a basically stock block 350 with a belt drive on a 14' fiberglass boat. It gets on plane easy, runs on plane easy, and has enough power to keep me safe ..... but it is far from fast. My engine probably makes about the same kind of horsepower and torque as most "5" number A/C engines, and I never run it hard. With three people, a cooler, and a few bags on board it starts to get a little sluggish but it's still safe and enough for what I do, which is just ride and do a little fishing.
If you want more performance than that (and be very honest about this) then you need to look for more horsepower than I'm happy with if you need a boat longer than 14'. My opinion ......
BF