I am directly interested interested in how this applies to the Mac 21,but suspect that it may be similar for all swing keels.First sail having been accomplished, I now want to anchor out for the night.This question is currently only concerning lake anchoring, but I would be interested in ocean information if different.The previous owner was very insistant that the keel should not be lowered whileanchored, or boat damage would result. I should note that so far as I know, he Never locked down. I did the first time out, and it seemed to work extremely well.Opinions? Observations?