I can't address the South Pacific
specifically, but can address this question a little bit more generally, as we cruise
on a boat with a 10' draft.
First, many marinas don't know how deep their marina actually is. We always call ahead regarding the depth at a place we're going, and everyplace that we've ever grounded in a marina has assured us that there's PLENTY of water. We've had the keel
in the mud in lots of places which promised more than they actually have. This has happened to us in 3 countries to date.
That's probably the worst part- you're tired and wanting to get in someplace and then find out you can't get in. So, we've learned to be a lot more selective on where we go, making sure that the marina has actually had boats with our draft there before.
Certainly, you will be limiting your options with that draft regardless of where you cruise
As far as anchoring further out from the pack, we do have to do that in some places as well, but with a bigger boat, we don't mind having a little more chop than our neighbors anyway. Dinghy
rides are wetter.
Why do we put up with it? It's all about the zen of sailing. It's the only way to get a lot of righting moment without the weight, having that big torpedo down there that deep. We happily make that compromise. The calculation is different for everyone, but for us it's worth the hassle and missing out on some places.
I hope you don't mind my chiming in only tangentially to your question, it seemed relevant enough.
Good sailing, TJ
EDIT: Yes, haulouts suck royally compared to our previous boats. Sanding
the bottom is pretty awful. And we end up renting
scaffolding where we can. Hauling where there is cheap
labor helps with this...