I've been pondering this as I think about getting a larger raft. Most of the rafts my friends have (14, 15, 16 footers), don't have any additional D-rings on the center of the sides. Just the four that they use to secure their frames. Some of them have extra D-rings on the stern for securing a cargo net. My little Hyside has an extra on the inside of the stern that was really handy for extra strapping of gear in addition to the cargo net. If I order a new raft, I'll get extra D-rings on the inside bow & stern, and a couple extras on the outside stern. I haven't decided about the side center ones yet. I think they might be useful for better frame strap down points, but I'm not positive if they're really needed since most rafts don't come with them.