I have always been told the same, that the warmer seawater will provide some thermal protection by way of conduction with the nearby air. I have only ever relied on this for those 'staying in a bit late in the season' but never for a full winter. I would rather be safe than sorry with the Tomcat.
Besides - once you have it down to a science it's really not too big a job. Buy 6 gallons of rv/marine antifreeze:
1.) Run your faucet until the water is out, run the shower (both hot and cold knobs for sink and shower), drain the hot water tank, and flush the toilet.
2.) Install the bypass on your hot water heater (heat gun is your friend).
3.) Add at least 4 gallons of antifreeze to your fresh water tank and run the sink and shower knobs until pink comes out. (Please don't let the antifreeze dump into the ocean

tie up a bucket in front of the sink drain and shower drain to capture if doing the procedure in the water). Flush your toilet a few times to make sure you see pink in the bowl. This procedure will make sure the water is flushed from the hoses.
4.) As a final check - look under your sink to make sure ALL hoses are pink. This is how you know for sure you got all of them. Also make sure your shower sump has pink fluid.
Voila...
I also make a point to cycle some antifreeze through my fish boxes and bilge pumps. Once again bucket tied to side to capture the bad stuff. Even "non-toxic antifreeze" is toxic to fish and you don't want to eat it.
Now in terms of the engines you have two choices - full down to be sure the lower unit will not have residual water that may not fully drain and freeze (but dealing with growth and corrosion) or tilt them up and hope all the fluid drains out and does not freeze (avoiding corrosion and growth). I always take mine out for the winter so I've never had to make the decision. I see boats in Boston Harbor with the engines up for the winter and I see them with the engines kept down. An ice blown lower unit would really sting.
The good news about growth...it will be MUCH less pronounced in the cold winter vs. summer.
--Matt