Don't be embarrassed by the question...You're actually smarter than the "average bear." Most people jump the conclusion that
bilge pumps are running full time on those boats and that owners need to know about it before their boats sink!
They aren't heat exchangers...What you're seeing is the
HVAC (central heat & air conditioning) system
pump, which typically are reverse cycle heat pumps.
Boat owners who use their boats year round leave heat running during the
winter to protect against freezing by keeping the
boat warm...in the summer they leave
air conditioning running full time to reduce humidity and the molds etc that humidity can cause.
--Peggie