I have a new Beneteau 40 in lake Ontario and have just gone through its haul out. In hauling out, the requirement is for the mast to be removed. However, next year I am considering a haul out with the mast on. I heard that keep the mast on over the winter may cause stress on the deck and produce cracks. What is your opinion of the advantages and disadvantages of keep the mast on over the winter.