The wood coming off of the individual hatches/boards is not an issue if done right. On a 32 express there are 4 or 5 five individual hatches for bilge access.
What I did on mine was sandwiched a vapor barrier/underlayment between the flooring and the plywood, and then used stainless screws run from the underside, up into the flooring at regular intervals. This prevents buckling with humidity changes, and keeps the wood firmly in place.
Should an individual plank ever become damaged, I can remove the planks, re-cut a piece, and put it all back together. Other than the fact that it shows dust/dirt easily, I wouldn't change it for the world. I really kicked the the "yacht" look up a few notches in my cabin... Now I just have to make the rest match...
-Shane
"McKenna Renee"
1972 '32 FB Express. Twin 318 / Edelbrock 1409s
Chesapeake City Md (Upper Bay / C&D Canal)