OK, I am going to risk board rath and disagree with one of our resident experts (Stu). LOCAL conditions matter a LOT. Find out what folks do in your marina and on your lake, inland lake conditions can be different than the ocean.
I sail on a mountain foothill lake (Carter Lake, CO) - it is close to home like the flatland lakes, and pretty like the mountain lakes. The price is a marina that is exposed from the south to gale force winds over several miles of fetch, and to W-NW winds that are like CA Santa Ana winds. The highest gust at our marina this year was 111 mph NW, over 60 from the S. Waves can be so high that the docks can no longer be walked. The marina guys do walk the docks to add or retie lines whenever they can - like when I snapped a brand new 3 strand 1/2" line on my C22 - but sometimes it gets too bad to be safe for them to do so.
So, in an exposed marina, I have line overkill - AND I NEED OVERKILL.
EVERYTHING is doubled. The major lines have snubbers - and are stronger line than the one that I snapped. 3/8 is "right" for my boat, but I have 1/2" lines. My cleats have two lines each, my winches have lines. And yes, like many other boats here, sail and power, lines are through the cleats.
Lake water levels often vary a lot, so marinas cannot be protected by seawalls. If you have a well protected marina, and are not exposed to major storms, then you do not need as heavy duty a setup as I have. IMHO, as a lake sailor, it is best is to find out how the more careful guys tie up in your area.
Apologies if my post is a little hot, maybe guys who have to try and survive hurricanes in their marinas will understand my perspective on this.
OC