After much thought and review of several inputs - thank to all who replied here - I've decided to go ahead and haul her out. Boat was sailed 700nm since last survey was done, so this way I'll know for certain what the owner hit on the way
As mentioned in this thread, this boat also has some mast step corrosion that could have been avoided with some maintenance. It's beyond me why someone would let that go on a boat that cost >$400K some 13 years ago.
I've seen others where the owner spent $40 on resin and solved the problem for the long term. $5 work of paint & wire brushes would have done the same.