I know this adds nothing to the solution, but this was the main reason I got external chain plates with attachment bolts that were visible and easily accessed from the boat interior. Who ever designs these boat have zero foresight into the maintenance of such critical boat parts such as chain plates. Putting a chain plate through a deck is just asking for trouble and then putting cabinentry all around the chain plate bolts on the interior just adds insult to injury.
Other than that, I have no views on the subject.
"There's a wind in my sails that protects and prevails." - "Six Months in a Leaky Boat", Split Enz