Assume the worst... I have experienced (scrapped) boilers (made by others) that had cross-tubes and had failed due to stress concentrations versus over-pressuring the boiler. If fitted and the job made properly, including calculations - and certified, then all should be OK and safe and durable. But cross tubes also severely restrict the burner you can put in the fire-tube, as they usually take-up about half the cross sectional area of the flue, and cause the burner to be limited to around half of the size you can put in a fully open flue.
My Marine boilers take the flue gases straight thorough a fire-tube, down and beneath the boiler shell, then up the sides of the boiler to the funnel at the top of the casing. Some with exhaust passing through flue tubes going the whole length of the boiler... (depends on "size and simplicity" demand). But my point is that these boilers look OK, and have a pressure rating, but no clues as to BURNER kW rating or how MUCH steam can be delivered. Usually they are the simplest design to "Grab your money" with the nice external appearance.
"Look, No Lagging" = waste of heat and shortage of steam.
At least:
Lagging Kit:
Each boiler is delivered with a wood lagging kit as shown plus fitting instructions...
My lagging is about 1/2" thick (balsa over a composite radiant and thermal barrier) so you can hold the boiler with a bare hand when in steam (but I don't). It really makes a difference to the QUANTITY of steam delivered.
No Superheater - something that really makes a difference to the engine's performance without needing a bigger burner.
But why do they not mention cross-tubes? - probably there are none.
My 3 in dia boiler with a 1.2kW gas blowlamp can power a 5/8" x 5/8" (aluminium body) Stuart Star engine adequately to drive my 48in naval picket boat at a reasonable scale speed (10kn). But cannot realistically do the same with the heavier (cast iron) 3/4" bore and stroke Stuart Sun engine. And it is well lagged, passes exhaust around and through the boiler, has a superheater coil, and re-cycles warm condensate into the boiler. It really needs over 2kW of burner - not in a fire-tube - so it can accelerate to scale max speed for the class of picket boat.
Public Domain,
https://commons.wikimedia.org/w/index.php?curid=807204
Shown with Sun engine (low at stern from heavy engine). The photographer wanted it "posed" so was not running...
So "Buyer beware" when buying off the web... ASK the seller about the cross-tubes & flue tube surface area, power of burner, (gas, pressure and jet can be converted to kW), lagging details, superheater, etc. before paying any cash.
K2