Insurance.

Noble for me every time.  I managed a fair bit of damage last year, but everything was settled very quickly and smoothly.  I have a multi boat policy for my flotilla, but it's cheap because they know I won't take the mick when it comes to claiming, plus I fix the minor problems myself.

The other thing I have found is it's worth talking to your insurers about some boats so they don't lump them all into the same easily broken category, eg all my moths.