How do you guys get in & out of your boat?
Here on the Gulf Coast, the family & I do a bunch of island hopping & unless it's about 100 degrees my wife doesn't like getting her feet wet. That's one of the great things about the V20 I run to a beach with a fair dropoff, throw the bow anchor, pull it around & swing the stern nearshore. I have a dive bracket on the starboard side, and the previous owner (a diver) put a box that works like a step in the well. step, step, step & ther you are on shore, with dry feet.
That full transom you are describing would make that pretty difficult.
One other thing to remember is that a cut transom will only hold back half as much water if it does get in.
I've been nearly stern swamped in a few boats, most notibly a Boston Whaler, My V20 has seen 7 foot seas & as long as I'm making way the stern has stayed high & dry.
I understand the safety/security issue but for me it would remove one of the great benefits of this boat. If you stayed on the boat all day I guess I'd be all for it.
Doug