Another member of the choir here.
I keep my boat on a mooring in a fairly small (and stagnant) bay off of Lake Superior all summer and use an ablative bottom paint. No idea if I have a barrier coat or not. I pressure wash the boat when I pull it in the fall, then do it again 2x in the spring with a scrub from a coarse brush attached to a painter's pole in-between. Then re-coat. A gallon of paint lasts me 2 seasons. At some point I'll probably have to sand it all off and re-do something, but it's been working for me so far.
Lake Superior is cold, but diving on the bottom mid-season does still show some slime. No growth to speak of, but I suppose if I was a racer I'd probably try to scrub the hull. In fresh water, you're not going to get any anything more than slimy growth (I think), but I feel better knowing I have an ablative paint (Jamestown Distributors) on both the hull and rudder. I just slap it on with a roller and a paint-tray and do the best I can around the trailer bunks and it seems to work for me.