I agree with Harry that boats left in the water suffer more wear and
tear, and get dirtier.

There are also other risks: An exceptionally cold winter can overwhelm
the bubbler system causing ice damage to docks and boats; Same issue
with an extended power outage; Frozen seacocks can crack and sink the
boat; Leaves and debris can clog scuppers and cause interior flooding.

And why wouldn't you want to be in Florida instead?