We have a speedboat in my family. When we're out and going around 100 km/h, we can easily stop the boat to 0 km/h with not more than 20 meters stopping distance. In game, the speedboat seems to take more than 100 meters to stop from full speed.
It's the water that does it all. A boat can't go through water without constant force. So if the engine stops, the water slows the boat down very quickly.
I would very much like this to be adjusted, since it really annoys me to see how hard it is to stop a speedboat in this game. I don't know how the much more weight that a military speedboat has because of guns and ammo, and how that would affect the stopping distance. But I don't believe that the current stopping distance is even close to correct.