'O' gauge is actually 1/43rd scale so they will look tall and chunky on a 48th scale boat. Could get away with 1 or 2 if you make sure their equipment is the same size as the boats.
Monograms 48th scale Riverine stuff used to come with a guy. They just rereleased the Swift Boat and he is still there but doesn't look much like a sailer.
Check the figures out on this site
http://www.phpshopxml.com/quakit.shop/CID/35784ceae5b409ee6217b5f992cdd213/function/subFamilyPageDisplay/shopFamilyCode/FIGURINES
If you click on the Divers category and scroll to the bottom, there are a couple of U-boat crew. The Verlinden link has some WWII US carrier crew that you may be able to use.
Preiser also makes a couple of 48th scale ground crews which could be used.