I suspect it's a liability thing. I have never heard of a case of physical damage from VHF transmissions (not that I've looked all that much.)
You're right - You can't be 10 feet away from an antenna on a small boat, so that's kind of impractical. Realistically, you're not going to be transmitting all that much (well, I don't anyway), so I can't see it being all that much of a risk.
jky
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