Correct, the newer boats have a really thin & cheap removable igloo cooler, it’s completely worthless. If I had your boat I would insulate those two tubs as much as possible.
We tow the boat a lot, almost 4,000 miles a year. On my old boat I noticed a lot of rock chips on the underside of the bow - they were hard to see but when waxing you could feel them so I wanted to get mudflaps - I saw some Rock Tamers but they cost over $200 so I made my own for about $50 - Just bought some Semi Truck mudflaps online - they were like $15 each then took some 3/16" or 1/4" angle iron and cut it to the length of my bumper. I drilled holes in the angle iron to match the holes in the mudflaps, I had to cut the mudflaps to correct length then bolted them to the angle iron - I then took 2 longer bolts and made a bracket to attache the angle iron to the hitch. I also had to grind a little notch for it to fit my truck perfect, you can see it in the 2nd pic below. This setup has worked for over 4yrs - Its starting to rust a little so I may need to re-paint it. I also made a little hanger so when I don't have the hitch in I stick it on the back of the deck - you can see in the photo below.
Something that really bothers me on the new boats is the crappy removable Igloo/Yeti coolers that are way too small to hold enough beverages for 6-10 people on a boat all day long. We like to get out on the water to wakeboard and surf at 10am and not return until dark. This cooler will hold ice for 2-3days, It holds over 90 cans with room for ice. I made it out of pink insulation foam from home depot. I cut the foam with a jig saw, glued the pieces together with gorilla glue, routed the corners smooth and wrapped it in fiberglass and epoxy with a white dye so I didn't need to paint it. I used three layers of fiberglass - probably way overkill but I didn't want it to dent or crack when dumping cases of cans in the cooler. The inside corners took some extra work - i used fiberglass powder filler and mixed it with epoxy to get real thick then filled the corners so it was a soft inner radius - much easier to cover in fiberglass. I wanted it as big as possible so I had to make it in two pieces and caulk the back part on after it was in the boat - I then added a rubber refrigerator seal and a small drain hole in the bottom with a plug - I have the solidworks model if anyone wants it PM me.
Here is the custom sub enclosure I built to fit an Exile Big12. Its about the absolute maximum volume (1.85 cuft) I could fit under the dash of a 2016 23lsv with the 3 outlet heater. The angles were a real pain to get perfect and I still have not completed a carpet kick plate. I made it from baltic burch cabinetry grade ply wood and sealed the whole thing in Epoxy to waterproof and make sure its water tight. I also screwed and glued with gorrilla glue that expands to fill any of my poor craftsmanship gaps. I also installed an exile amp to match and the WS420. I built this in solidworks so if you want the CAD let me know.