Continuous rated power is really irrelevant in most airplanes. How many of us actually run max continuous power for more than a few minutes?
So, the IO 520 will give you more takeoff performance.......A lot? Maybe.
But again, you're going to have to make some major modifications to your fuel system to make the IO work.
If you REALLY need the extra useful load, I'd start by trying to reduce the empty weight of the plane. There are some good illustrations of that process on this forum, though you needn't get quite as carried away with the refurb as some, unless you choose to.
Example: Do you really USE the back seats regularly while on floats? If not, pull that heavy pig out and store it for the summer. If so, pull it out and install Atlee Dodge folding seats instead. If you only fill one back seat, just leave one folder installed.
How about batteries? Using an Odyssey yet? You should be, and keep the leads as short as possible.
Lightweight starter and alternator?
MT prop?
Finally, will the Wing X wing extensions give you a GW increase? I'm not familiar with these on the 182, but they are MAGIC on float performance, and offer GW increase on many planes. One point on the Wing X: If you have a small hangar door, that extra wing span will create lots of angst.....trust me.
All this stuff is expensive, no doubt, but I think it might be cheaper than going to the IO.
MTV