it kind of wallows in the water. A "rec" kayak is usually used without a spray skirt, so if it sits deeper, wave water can slosh inside more easily. Obviously, a kayak loaded past its recommended weight limit will be slower, and will turn more slowly.
I have some whitewater kayaks, and I'm usually at the upper limit of their weight capacity. So, they don't perform as well, but they don't feel totally handicapped. If you and I were looking at hulls right now, I'd be able to suggest those that are more likely to be able to bear an overload.
You might also be looking at cheap boats to save money. The only recreational kayak I tried was a 13' Old Town Otter, and it carried my 225# Ok, and clearly had capacity for a bunch of gear.
Sorry you haven't had other suggestions. People who might have helped are discussing the paddle craft market. ADHD. Let's ride bikes.
Hardshell Kayak Sail Rigs
Classic Freestanding Rack
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