Ron & Others: I will follow James' lead/response to boating over here on the eastern side.... Time of year for sure makes a difference...or...more accurately, temperature of the waters.
I will always have all my hulls bottom painted with the ablative bottom paints. Just too many things can happen to change your plans and things grow fast....very very fast over...and down here. In one week when I first brought a new boat home, I was delayed enroute and lost my reserved spot at the bottom paint shop. So, I dropped the boat in the water for about 4 days prior to taking the boat up river to be pulled and brought to the shop. Basically lost about 30% speed/efficiency of the hull. After about 100 miles, I pulled up on a sand bar with some scotch bright pads, rubbed and stretched and got as much ....gunk... off that my little short arms could reach. Got about 15% efficiency back... and, was charged a bit more from the bottom paint shop to first clean the gunk off prior to starting the sanding needed to get the job started.
So...watch the water temps...and, as others have stated...even in the cooler waters.... the water line where the sun shines is still effected.
If you are not going to stay moving....or put your boat back on the trailer each evening, stay bottom painted. If something happens and your boat has to sit...as in waiting for a new lower unit due to a log/rock strike.... something happens at home and you have to just leave the boat in the water a week..... you are going to get gunk.
Just my thoughts.
Byrdman