I mean, the boat refunds all of its materials if it does get destroyed, so it's not really a big deal unless some stuff sinks too far (i.e. nails). Then it'll be a pain to get. Honestly, though, I often part my boats in pretty hot spots and don't have an issue with them getting destroyed.

That being said, the Longboat isn't really that hard to build. I'd almost argue it's easier than the Karve to set up since Bronze is annoying as ♥♥♥♥ to mine. Sure, you only need four Bronze ingots instead of ten Iron, but when you think about it, that's eight Copper ingots and four Tin ingots, and Iron is everywhere in the Crypts.