Mooring applications go pretty quick, you'd be surprised. Getting it off the dock would be the best solution. I have never been a fan of whips. If you have over 150 feet of frontage you could install a second dock finger and 4 way tie between the two.
A boat lift would be great, but it will cost you to purchase, plus annual install/remove charges (probably $400 each time they touch it). Depth is important with a lift such as a Sunstream. Typically you need 3-4' of water at the helm of the boat when parked at seasonal low water level for a cantilever lift to work. A Sunlift will probably run $8-10k easily. Sometimes used ones are available.
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