... Yup, October 31st is a significant date for boaters in NY. ...

Why? What happens?

Insurance ends at marinas and clubs.
All city run marinas close.
Most clubs close.
Private insurance doesnt cover winter sailing (Boat US and others here) unless
specified.
The only boats that stay in the water here are people who own their own slips
or have live-aboard status at certain clubs.

RB