I've never seen a 4" blade tip clearance in a tunnel before. We've worked on a couple of the 41's in the past and don't remember seeing that clearance before. As kapnD said, that is quite generous. Also, keep in mind that any large squared off trailing edge will create a low pressure area and any ventilation usually finds its way into that low. I know it seems counter intuitive but I have found tank test videos of little vortices traveling from the transom INTO a 30 knot stream of water flow and attaching to the rudders, causing total ventilation and loss of control (100 foot Navy mine sweeper, Carderock Institute). Your rudders have that large square trailing edge and are very likely pulling air in from the transom.