I don't think you have that right... What happens in reality is that the motor dies a slow death, regardless of which controller is in front of it, and eventually, when the motor craps out, it takes the controller with it...
There is really NOTHING "inexpensive" about the factory ESCs in these RTR boats... They are a little more expensive, if not more-so, than many other, oftentimes better, options out there.
With Electrics... there is ALWAYS going to be a fuse... It's just how it works. Motors are $
79.99... (
http://www3.towerhob...?&I=LXVSV3&P=ML)...
Stock ESCs are $89.99 (
http://www3.towerhob...p?&I=LXVSV4&P=M), BEFORE you pay to replace the contacts...
Motors are still a less expensive fuse... And, again... it's likely the system that's getting taken out. When the ESC goes, it's sitting in there right next to your other electronics, batteries, etc... Not sure how you are saving any cost by moving the fuse to that location.
If the National rules would have required stock RTR ESCs, I'd have been fine with that and worked within those rules. But, I don't think it's a valid arguement to say that NOT allowing aftermarket ESCs is somehow making things "more reliable" and helping to control "costs"... It's really not. It's really making things run closer to their limits, and hurting drivability, especially on something like an OPC Tunnel... So I can understand the argument by those who advocate still for stock ESCs...
I do think it hurts the hobby and the classes to have different rules locally vs. Nationally, but only in the sense that it makes larger get-togethers a little more difficult...