First… If you are going to worry… then don’t leave it in the water. Camping is suppose to make life low stress.
Second… There were a few times in my younger days that we camped on the water, and a freak wind storm pushed in, making the water VERY choppy. (in AZ) The next morning, we found 2 boats directly in front of our camp, sunk! It was only in a foot of water… but the engines were wet, and the boats were sitting on the bottom. Also, on that morning… there was a boat just gone. It ripped the kleet off the front and rear. We were lucky… we had stand up jet skis… so we just lifted them out of the water, and put them a few feet up on the beach. (sandy bottom)
If you are going to where you can’t beach it… even if you don’t get a storm… the current, or a big wake can push an anchor, allowing your boat to hit the rocky bottom.
If it were me… put it on the trailer, and be done with it. If you are camping… it’s not like it takes that long, and you don’t have to tie it down to make it ready to go down the road. I would still set your anchor so you have a tie up point when lunch is ready, or you just want to take a brake from the water.
Just my 2 cents.