Let me relate a little story about my neighbor and his Sabre sailboat. He left water in his potable tank and during a hard freeze the discharge line froze and split. Then during a thaw the tank emptied through the split water line and filled the bilge with water. Much of it pumped out through the bilge pump, some of it did not. What was left pooled around the fuel line and when it froze during the next hard freeze it crushed the fuel line and split it. Within a few days his bilge filled with diesel. He spent weeks working to get the diesel fuel and stench out of his boat.Maybe, maybe not. Boat hulls and what's in 'em at or below the waterline take their temperature off the water,
Bottom line, if you talk yourself out of the chore of winterization you are betting that you will get lucky. And if you are unlucky you will wish you had taken the time to do things right. We are in a zone where plenty of people leave their boats in the water, I am not one of those gamblers. I like to enjoy the off season.