I don't think this is a one size fits all answer. If there is crap growing on the bottom of your boat it needs removed and treated to prevent. Some freshwater boats go a life time with nothing more than cosmetic cleanings other waters may require protection. To arbitrarily say that its been X years, i need to reapply paint is a waste.
as for it being 'bad' for the hull, NO its not. The water (salt or fresh) won't melt a fiberglass hull.
Enjoy your seafood dinner. you are correct!
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