You are fine listening with any radio you want to.
Adding the transmit capability is another whole other issue. If you were to add it and never transmit - again you would most likely never have an issue.
The first issue would be an "accidental" transmission on one of the Marine frequencies. The USCG equipment is pretty sophisticated and can come close to pin pointing exactly where the transmissions are originating from. In my experience, they are not inclined to be happy with a "woops my bad" explanation for illegal transmissions on a frequency you are not authorized to use.
That being said, back in 2012 during the aftermath of Superstorm Sandy, in NJ there were some folks who used their Marine Band radios to contact the USCG for help from their homes out on the barrier island(s) - basically Point Pleasant south to South Seaside Park. For several days, it was the only means of communication from several areas on the islands to the mainland and responding rescue units. This was truly an emergency and no one questioned the use of the Marine Band Frequencies. As far as I know, no one ever questioned what brand radio was used or if it was certified for the Marine Band. It was accepted as a true emergency, no one abused the band. I believe those "true emergencies" are very rare. I do not know of any other situation where the Marine Band frequencies were used by land based units, I'm sure there could be, I am just not aware.
Bottom line, I'd think twice about programming that radio to transmit on the Marine Band Frequencies.