I CLEARLY stated that these courses are not a substitute for knowledge or experience!
I took the test some time ago (score of 94% on the rules) and I''m certain I could pass the test today. You''re right about the Navigation rules, one has to understand and know all of the rules in this publication in order to get a passing grade of 90% or better. I would also agree that you must have the Rules book rather than using the Internet for study purposes. I would also ask the USCG to be tested for other license endorsements. Why you say, even if all of your experience has been on a sailboat, in order to carry passengers for hire on a sailing vessel you’ll need the “auxiliary sail” endorsement, which is another module you’ll need to be tested on for competency.