Hi Mark and welcome to the forum.
I think you have already figured out the relative costs and benefits pretty well. I have done all three.
. Costs more but sure is convenient. Walk down to the boat, load refreshments, crank up and drive away. Makes it really easy to go out for a short hop if you like and you might end up using the boat a bit more if it is easier to do. There are risks since the boat is afloat. A leak can sink a boat at a dock
(actually one of the most common locations for sinking) just as easily as on the water
. High winds you can bash against the dock or neighboring boats.
Tow. Keeps the boat at home so safe and easy to keep an eye on it. Plus repairs
are cheaper since you can tow to a mechanic
or easy to DIY at home. Once you get the routine down it's pretty quick and easy. I can have my 20' launched and the trailer parked in less than 5 minutes from arrival at the ramp
. Which is another point. Make sure there are ramps where you want to boat. Are they always accessible or can the water
get low and keep you out?
Mooring (as it is called in the US. Over there not sure of the name but the boat is attached to a permanent anchoring
system.) Boat is afloat like at a dock so similar concerns about leaks
. Also need to watch the mooring gear
, lines, etc. The part underwater should be inspected at least yearly for corrosion
, wear etc. The pendant from the mooring ball to the boat needs to protected from chafe. Have to figure how you get from shore to boat. Does the local marina have a shuttle service
? Do you have to bring your own dinghy