Well hindsight is 20/20 as they say. To answer your question about the other day it wouldn't jump, so I trolled back to the ramp. Also the battery level is full. But after a long night of research, there have been signs, or at least one for sure. I have had intermittent problems with my tach not reading, but always seems to fix itself so I never gave it much more thought. But as always there's a learning curve and I'm beginning to learn lol.
According to my research the 35 amp rectifier/regulator can be testy and historically runs hot. It is a water cooled system. Seems the number one cause in all I've read is reversed polarity, connection mistakes. But I can assure you this hasn't been done. I'm no master mechanic but I know the risks of making that kind of mistake. The part definitely needs replacing (risk of fire) and now I'm looking into the stator. It seems there is black residue and build up on the coils which I've read is a sign that it's time for replacing. It may be working now but the end is coming.
As for the exact cause of all this I'm not sure of. Impeller was replaced and everything refreshed and looked over just over a year ago. I will say a few months back I made a long run pushing it a little harder than I normally do (only 5k rpms, usually stay around 4-42) and once I reached my destination the engine definitely seemed hot and had an electrical smell to it. Looked it over on the water and at home to find nothing substantial. Perhaps this was the begin of it's demise.
All I know is these parts are not cheap and I really want someone to have a good look at it to ensure we cover everything. Maybe it failed out of old age, it looks to be the original part, but not certain because I haven't pulled anything apart just viewed intensely.
Thank you to everyone who has responded, it is appreciated