Americans have the added variable of flying the Yacht Ensign in domestic waters on documented vessels, but switching to the Stars&Stripes for foreign and international waters.
As for E.U., in the Med I often saw the European Union flag flown from the starboard spreader below the national courtesy flag. We didn't have one so we just went with the national courtesy flag.
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Pacific Seacraft Crealock 31 #62
NEVER CALLS CRUISINGDAD BACK....CAN"T TAKE THE ACCENT