Follow up, post more YT 'research', apparently there's no safe DIY way to verify a breaker will actually trip, and my only real evidence I can't trust the old ones is the melting wires that runs to and through the AC breaker and outlets. I was running a space heater in there yesterday and then fired up a little vacuum for a while, wondering if that might trip it, which it didn't, but I did feel the wire that jumps from the main to the outlet breaker and it was good and warm. I forgot to put an ammeter on it to see what it was drawing, I'll do that today, but reading up a little about breakers, I take it the old ones work on an electromagnet, that throws the breaker on a surge high enough to actuate the switch.
That seems pretty straight forward and in a pretty sealed device like a circuit breaker, even an old one, it seems entirely possible nothing is wrong, at least not with all of them. Since all my AC breakers are 20A and I don't use one of them at all, I'm thinking just swapping the suspect one out for a never used one would be an adequate temp fix, until my proverbial ship comes in and all new panel budgets are unloaded at my dock.
Anyone here actually found bad breakers they can attribute to old age in a marine environment? All new will eventually be very comforting but on some kind of anecdotal scale, what's the likelihood that these are any more unsafe than they were new?
I don't want to TMI myself but this all started because I just wanted to get the furnace working so I could dive on the boat and warm up after. Can't start the furnace? Rip all the wires out, of course! Some people will do anything to avoid getting in cold water... Well, that and finding all the batteries were dead.