Re: Battery - Main Switch (who uses one?)
agree with Kahuna--you want all power to all systems off, except the bilge pump/float switch, which is independent and direct. Boats leak electricity especially in salt water. And my sister was on our boat (17') when a short caught the wiring on fire (we then added the cut-off).
I have one boat with nothing electric except the start/tilt, so it doesn't have a switch, and it's more often than not on the trailer. Anything more than that, I'd get one.
Be sure you mount the switch were it won't get wet esp. not swamped by an overwash.