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The ideal solution (if possible) is to heat both. Heat the oil pan so the oil is warm and ready to flow easily on startup. This doesn't require a ton of heating power in most cases, particularly in a boat where there's no wind blowing past the engines. Heat the coolant (with more power) to get the rest of the engine warmer so the cylinders, etc. are warm at startup for better combustion, getting out of the high-wear cold start phase faster, etc.
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