Is it a lifting keel or a center board?? A center board is a relatively trouble free and easily fixed device. Lifting keels usually involve a lot more involved hardware
and structural issues. There can be an issue with breaking the board off in an accidental grounding or wear on the board axle. Neither has been an issue for me in the two center board boats I've owned. Have run aground too many times and the only problem was once board jammed in the trunk by small rocks. A little work
with a screw driver prying out the rocks solved
that problem. For the most part have sailed with the board up so it's not an issue in grounding.
Own a center board boat and the only problems with it is the boat has to hang in the travel lift
slings to paint
the board and replacing the center board pennant. The first is no big thing for most yards, just lifting the boat at the end of the workday so you can anti foul paint
it the evening before and launch the next morning. Amsteel and other high strength lines make replacing the pennant virtually a non issue.