Andy, thanks for the reply. No, most marine yards don’t for the most applications use aluminum anodes on the Chesapeake. I do use them on the thrusters. I will look into aluminum anodes further, however I have not had any issues on several boats including a motor yacht that I only pulled every 2 to 3 years to paint. I also installed a galvanic isolator when I purchased the boat 12 years ago.
I think a lot of it depends on where in the Chesapeake you are. Southern bay I think you're fine with zinc, but where it gets closer to fresh than salt is where you have the problem. I work in the Melbourne to Ft. Lauderdale area of Florida and I've seen problematic use of zinc a few times. Once was in Stuart florida on the North Fork of the St. Lucie river, part of a salt water estuary and on a boat near the Grand Banks facility if you look at a map. This boat had always used zinc and not had a problem. The owner told me that the water was normally very clear, but the day of the survey it was foul smelling and brown soup. They had started water releases through the lock from Lake Okeechobee two weeks prior to lower the lake level, and the water had become much closer to fresh than salt. When we hauled the boat out the zinc anodes were the consistency of toothpaste, and I could easily smear it with a finger.
The other time was on a large motor yacht kept full time in the water at Safe Harbor, Harbortown Marina in Ft. Pierce. This marina is only about 1/4 mile from the ocean inlet, but a small river dumps into the intracoastal waterway next to the marina. Especially when it rains the water in the marina becomes brackish enough that I've seen tilapia under boats and a family of river otters used to live in the marina, even that close to the inlet. Anyway, when that motoryacht was hauled I saw the same thing, zinc anodes that had turned to paste.
I've been told by experts I trust on freshwater that they see boats come in with zinc anodes all the time and the anodes just shut down, but don't turn to paste like I've seen. So I don't know exactly the criteria that makes zinc dissolve in brackish water sometimes, but I know it happens.
There are several advantages to aluminum. Mainly that aluminum is the one anode material that is effective in all 3 conditions: salt, fresh, and brackish. If you're going between them it's always the best choice. Additionally, zinc anodes are made with trace amounts of cadmium, a heavy metal that dissolves into the water as the anode is wasted. Aluminum anodes are supposedly more environmentally friendly for that reason.
All that said, I put aluminum on my boat (I always recommend FL boats use aluminum because we have so much brackish water around) but ended up moving it to a place where I'm entirely salt water. I was surprised by how fast the anodes were eaten up, and I verified everything correct with a reference electrode and testing. So this season I'm switching to zinc to see if there is any difference. I'm also going to add a donut anode to my swim platform brackets as you mentioned on yours, I think that's a good idea and in a place that's easy to change. I'll have to check whether or not my brackets are tied into the bonding system.