So...to respond to some thoughts discussed here:
"Loud partying marina folks"...Our marina is sailboat only with the occasional trawler and like a National Park, we love being there. Very quiet. Never in it's existence has there been any theft from cars or boats.
We feel safer with the boat inna slip when we are away as folks are always looking out for each other there, and it makes having our boat be a true "cottage on the bay" even if we don't go out everyday. Lot to be said for electric, water, facilities, not having to load and unload by dinghy. No boat has ever been sunk or significantly damaged by storms there as well protected.
Costs are all over the map and are based upon your locations. You can see the costs for us based upon Interlude's size on the marina website. We have a very full life outside of sailing thus we choose to pay for some services that we could do. To have our boat winterized, engine serviced, hauled, power washed, stored in yard for winter, hull prepped, sanded, painted, and retuned to slip sets us back a little over $100 monthly on a 12 month basis. If ever became a real problem would skip dinner out a couple times inna month.
Marina requires liability insurance, as they should. Insurance not required otherwise unless you are carrying a boat mortgage, no different than requirement for a house mortgage. Insurance amount was based upon declared value vis a vie book value. No special survey was required other than the one we had done prior to purchase. Insurance wanted a copy of that survey to confirm boat's seaworthiness for our home waters.
We leave our dorade vents adjusted to use the prevailing wind directions to provide supply air through one and exhaust air from the other when we are not present. If needed when on board we open all 10 ports, the hatches and companionway, or use a small window AC for those hot, humid, no wind days in the doldrums of summer. Obviously only at dock with shore power. If too hot, too little wind we don't go out or frankly even go down to the boat. If good weather we don't need any climate control while out! Our season runs April through November, though when younger and more immortal we sailed year round. Have other winter actives now and only go down a couple times in the winter to check on things (read excuse to hang around boats!)
The 16 now lives at home stored inside, but if we do take her back down to our marina she sits fully rigged ready to back into the water with ramp there and go. This convenience cost us $100 any month she sits on her trailer in the yard....also worth it.
There is no right answer, just right situations based upon location, and circumstances. The above works for us and hopefully can provide perspective on such.