I built a jetty/dock and keep a Karve parked there all the time, very few GD swim out and around the jetty to enter the harbor to destroy anything...I've also parked Karves out exploring in open water and it's a little more dicey to keep them intact but it works....

I don't think losing materials is a good solution to deconstructing your ships for safety reasons...because it's too 'easy'. The mere fact you have to dismantle it by force, is annoyance enough.