Motor Daddy, any analogy you draw between the boat and a car will be flawed, because cars travel on stationary roads, while the boat is traveling on flowing water. I'll refer to the road and the water as the "substrates" of motion for the car and boat, respectively. In both cases, as long as we neglect air resistance, the vehicle only interacts with the substrate, so its velocity relative to the substrate is the only thing that can affect how it behaves. In a car, the horsepower it takes to go faster depends only on how fast you're going relative to the road. In a boat, the load on the crank depends only on how fast you're going relative to the water.
This means that the speed of a vehicle relative to its substrate is entirely independent of the substrate's own movement, so it is correct to say that the total velocity of a vehicle is equal to its velocity on a still substrate plus the velocity of the substrate. This means that the boat is putting out the same engine power and moving at the same speed relative to the water going both ways, but the additional motion of the water itself changes the speed of the boat relative to the shore. In the case of the car on a highway, the velocity of the substrate is zero, so you can't observe this effect. If we use Aqueous Id's clever suggestion of driving around on an aircraft carrier, we could make the car on a moving road move identically to the boat in moving water.