I finished my cumulative game today. Simply put, the Amercursedcorsairebels, with the duo of gunships, Enterprise and Divine Dragon, took over the game. First they came after me. They sunk the Dover, Bolingbroke, Nautilus, and Alexander within two turns. Meanwhile, the Spanish Titan El Toro sunk my HMS Lady Provost and my captured Raven. I was quickly out of it, with all my ships sunk. The duo then took out the Toro, who was to the south. In the north, the Spanish had bought a Musketeer, and put him on La Ebro (MI) to take out Wolves so the last treasures could be loaded. The Amercs, not interested in treasure, would have no part of this. They sunk all six ships (a mix of Spanish and Pirate) that were clustered around the island. In the short one-sided battle, the Spanish managed to dismast the Enterprise with El Alquimista. The Dragon took over and dismasted the Pirate Treachery and sunk the Spanish Santa Ana (CC). That decided it! The two gunships worked together to dominate the sea and sunk everybody in sight. Based on my winning condition of most points in play when any endgame condition is met, the Amercs won easily. They totaled 84 points. The Pirates had captured La San Jose, and she was being towed by the derelict Treachery, and they also had some unspent gold on their HI (4 gold), so the Pirates actually came in second with 17. The Spanish had no ships in play, but had two gold left on their HI. They came in third. Bringing up the rear, with absolutely no gold or ships, was me.
The game ended earlier than I thought (the last cumulative game took me a week), and it was somewhat good, although of course I was disappointed. Now I am going to try to make good 40 point fleets utilizing good gunships (deathmatch, but not necessarily). The first one has HMS Grand Temple 
with OE Calico Cat and OE Griffin + a helmsman, as well as HMS Meresman with captain and helmsman. This fleet just matched up against a fleet I mentioned earlier, a fleet with the Enterprise, Ladron, and Recreant. The British won all three times.
Additional Comment:
The last few days I have not played so much, but used the fleet with HMS Grand Temple and HMS Meresman to great effect (Temple seems to be proving me wrong). The 3-game sweep of that first fleet featuring the Enterprise, Recreant, and Ladron was followed by many others. I faced a fleet with the Longshanks, Recreant, and Silverback, and won all three. I faced a fleet with the Harbinger and Sea Nymph, and won all three. I faced another fleet, with ships I just can’t remember, and won all three. Lastly, I faced my swarm fleet (10 ships for 40 points), and won quite easily all three times. This brings my fleets record to an impressive 15-0. I think I will submit it at MT, although nobody will see it. It appears to me that I was losing the Temple in the huge (500 point) games/cumulative games because she got ganged up on before she could do much damage. Now she is facing only a few ships at a time, and can swoop in at 6S, with the small support of the Meresman coming behind her (World-hater from OE Cat lets me dismast any ship in one broadside, the key to that is this: TWOS HIT!).