If you haven't already purchased, I'd think a good SAMS surveyor would be able to tap the transom and detect any obvious delamination. If you own it and are still very concerned, perhaps a good marina could drill some sample holes (from the inside?) When you say moisture was identified, can you elaborate? I'm not a big believer in moisture meters, esp on a thick transom.
With regard to MPG, I get 1.1 statute miles per gallon with twin 4.2L F250 Offshores, spinning 15" Mercury Mirage Plus props. Best cruise is 29mph (statute) at 4300 RPM. I get pretty much the same cruise regardless of fuel and ice levels, but if I have to drop the tabs for a head sea, that can go down to 1.0 to .9. I do my long run trip planning (i.e. 100 miles to the NE Canyons) assuming 1.0 and planning to have at least 50 gallons when I return to dock.
With regard to seas, I've been out reasonably comfortably in 4-6, but that was with pretty long wave periods of 8 to 10 seconds. I go with the rule of thumb, 1:2 ratio of wave height (in feet) to wave period. So I won't go out if the the period is not at least twice the height (i.e. if it's 3 ft at 5 seconds, I'll stay home, but 6 seconds or longer, I'm fishing)
But yeah, the boat handles the waves very well -- in rougher waters its very sensitive to trim. The tabs force the sharper entry part of the hull into the water and give a deep-V ride, though at the cost of some fuel efficiency.