Do I need bottom protection in fresh water?

My 420DA is painted, not a barrier coat.

If you're talking blisters it's a barrier coat and if you have slime/growth worries you'd be adding bottom paint over that. SeaRay doesn't put a barrier coat on their boats as far as I know. If blistering was a true worry you'd think they'd be covering themselves by applying it to start with. My 270SD and 280DA were slipped and never developed any blisters which I think is typical of their boats of the last 20-25 years.

Another thing is what you do with your boat. If you want to increase your chance of blisters start sliding it in on the beaches and bars. Nick it up a little and help the water intrusion, barrier coat won't prevent that.
Mine is barrier coated and bottom painted
 
Hulls could come either painted, or not. Even if it was a 'standard' item, you could always request that it not be painted at the factory.

FYI... I didn't answer this part myself - maybe someone answered it above, but I really only skimmed some of the answers... bottom painting (anti-fouling) has no effect on eliminating blisters from 'possibly' happening. Bottom painting is not waterproof, for lack of a better way to describe it. The hull would need to be epoxy coated for that.
 
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As I said before, I live on a fresh water canal that is fed by rain water, with the excess going over a spillway to the salt water canal. I have been here for 23 years with no slime of any kind, but the bottom does get a little yellow, which is easily cleaned with hull cleaner. I use my boat at least every other week, and I think I'll try it without bottom paint, and just inspect the hull each time I take it through the lift. Thanks again for all your inputs.
 

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