（一）船舶的保险价值，是保险责任开始时船舶的价值，包括船壳、机器、设备的价值，以及船上燃料、物料、索具、给养、淡水的价值和保险费的总和；
There's a tradeoff: a lower capacity means you can skip more space during queries (you zoom in faster), but the tree has more nodes and uses more memory. A higher capacity means fewer nodes but each node requires checking more points linearly. As a starting point, capacities between 4 and 16 are reasonable defaults, though the best value depends on your data distribution and query patterns.
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