I just remembered that you can download manuals for all Garmin's products without buying them.
It appears the answer you are looking for is on Page 31, Creating and Using Routes.
You first select your destination with the map pointer.
Next: <Navigate To > < Route To>
That will draw a straight line route between where you are and your destination. It will probably go over rocks.
Use the map pointer to find the last point at which you could safely go straight to your destination. For example, this might be a harbor entrance if your destination is a marina inside. Press <Select> Your route will now have two legs.
Look back for the straight line safe path to where you would make the previous turn and repeat the step above. Your route will now have three legs. This might be at a turn at a buoy near a shoal.
Keep doing this checking depths and obstructions on each leg until your first leg takes you safely to the first turn.
Press <Menu> and <Start Navigating Route>
The next section of the manual tells you how to save and name routes. It looks like you might have to start navigating them first. I can't tell without having the unit to experiment with. Once saved, you should be able to bail out and then call them up later to navigate.
"Turns" are sort of a sub species of waypoints.
This looks workable. I hope it isn't the system I'll be stuck with if I have to replace my 3205 because it seems weird to plan the route in reverse and keeps you from anticipating. It should keep you off the rocks though.
My advice: Look for a way to disable the Auto Guidance function or do your best to ignore it. It's for idiots who would let a computer select their route for them. Would you trust a chip and these guys with your boat and boat?
Be sure to read the article on Page 26 here:
http://issuu.com/pointseast/docs/midwinter_mag_issuu?viewMode=magazine
and note that it was not a Garmin specific error. Every plotter I looked at in the marine store had it wrong.