I have one just like that and it works fine - got my 200 lb + nephew and others in & out of the boat no problem. I'll admit, I asked the big ones to put their weight toward the outside of the steps. Had to adjust the feet that bear against the side of the boat pretty high, but it works, and it stows in the cuddy easily. I agree that a swim platform would be nice, but unless it has some steps, it wouldn't be as easy getting out of the water.
Remember to pull the ladder in when you get under way or you'll lose it.