I have been told (and this makes sense) that if the boat is stored on a lift over the water - you will be less affected by the cold. The heat is released from the lake and keeps tempuratures warmer around the boat (unless of course the water is frozen
. The warmer the water the better - obviously in the fall it would be like having a huge heater under the boat. However, the effect still exists in the winter. Just my opinion though - don't sue me if you get your block cracked!!