4. Under the Gunwales
This is the predominant rod-storage area on a lot of small and midsize boats. When I set forth for an extended trip to the Bahamas, where I take a lot of different outfits, I'll rack the heavier (trolling) gear under the gunwales. By doing so, I'll have only the lighter spinning and conventional outfits in my T-top holders, which put little, if any, stress up there.
I'll make sure when I'm racking rods under the gunwales that the reels won't bang against each other. Ditto for the rods. I'll use a towel or a sponge to cushion the reels on these long runs so they won't rub and vibrate or even bang against the boat. It's the same for their rods. Protective reel covers also offer excellent protection here.