I have a policy of turning them all off whenever I leave the boat. I don't have AC and my bilge-pump outlets are high enough to not need them.
'Prudent pessimism is the mark of a responsible yachtie (and private pilot).' --me.
I don't like the idea of having to burrow into an under-bunk area to get to a crucial seacock. The engine inlet is one of the most vital on the boat. Not only can you not run the engine without its being open, but its hose can be exposed to fuel and oil spills as well as to heat, none of which are good for water hose, and it can fail-- usually when it's hot, which means when the engine is running, which means at the worst possible time to have it fail. (Another reason to never motor with the mainsail cover on; but I digress.) This hose ought to be replaced more often than any other; yet, because of its location on the typical production boat, it's rarely even inspected.
My general rule for
all seacocks is that within ten seconds--
and no more-- of identifying the leak, you should be able to shut off the seacock. Lifting a mattress is okay. Moving stuff aside isn't. Reaching into a hot engine compartment isn't (what if it's on fire? --shutting off the seacock will save you from going down when the intake hose burns through). Removing all the tangled, unused 'secondary' life jackets (while sounding like a good idea to have them out at a time like this) isn't. Not being able to reach it at all is worst.
I would advise you to very seriously look at moving the seacock. (While you're at it, consider Marelon; but I digress again.
) This isn't a hard job and can be done in an afternoon or two when you're next on the hard. I've written in these boards extensively on this procedure but if you have any questions just ask me and we'll go from there.
Just know that the current situation is untenable from a safety and convenience point of view. But you already do know that, because you asked about options.