1) Once you've rowed ashore, where are you going to land. You will need 'right of access' to the beach in order to get to your boat. You cannot trespass.
2) Where are you going to park your car?
3) If you're boat washes ashore, you are responsible for it's
salvage. If you can't afford a marina, you certainly won't be able to swing a
salvage.
4) Almost no
marine insurance that I have ever seen will allow you to store a vessel on
anchor unattended.
5) There is no tenable means to prevent the boat from become beset in ice. Neither bubblers or a
heating system is sustainable on
anchor. Particularly if unattended.