... I don't glue my hull plates down so I have a weak link there. ...
Personally, I'm a big fan of having the plank/plate the weak-link. That way the stud stays attached to the hull and doesn't punch holes or rip up the bottom of the boat if the plank doesn't separate cleanly (ex. on attachment stays connected).
I use the longest screws I can to mount the hull plates. I even grind the tip off of 1" screws so they don't come through the cockpit floor.