Chubby Bunny,
Based on our own experience last year as first time boat owners with the Puget Sound and San Juans as our main cruising grounds, if you are considering a Suzuki, I would suggest going for the 90 hp. I can only answer for what we went through but we chose the Suzuki DF70 for our 2005 22' Cruiser. What we didn't know is the DF70 and the DF90 are not the same engine, the DF70 is smaller (less displacement). The DF90 is the detuned version of the DF115, which has been described as a "beast" by others on this site. However, the Honda 75 IS the same engine as the Honda 90, just the detuned version. Many of the Honda 75 owners have expressed satisfaction with the 75 hp on their boats, they can better answer regarding their experience.
As for ours, once we got the Suzuki DF70 properly propped, it worked fine, it had an adequate amount of power and did not feel underpowered. However we decided to move up to the DF90 and we are extremely happy we did. This engine is indeed a beast and has power to spare, runs smoothly, always starts and we're very happy with it. It is definitely not overpowered, it feels just right. We only wished we knew then what we know now regarding the engine sizes, tuned and detuned version etc. I must say that the factory was very accomodating to us when we decided to repower so our initial decision was through no fault of theirs but due more to our inexperience and lack of knowledge. So, if you're thinking about a Suzuki, you might want to consider the DF90 or even DF115. If you're considering Honda, Yamaha or Etech, you might want to get the opinions of owners of these fine engines. As others have stated in prior threads, they are all fine motors, it just depends on how you intend to use your boat.
Joe is spot on in terms of speeds under different water conditions. In the San Juans, the water can get quite choppy, 3-6' wind waves to contend with and strong currents. We feel good knowing we have power to spare should we need it.