Hookster,
Hard paint is just that. You paint it on and it cures and creates a layer of paint on the hull and those layers build up over time and usually start to chip off when you are trying to paint on the next layer. The poison in the paint leaches out and kills off what trys to grow on it until the paint is exhausted, usually 1 season. Ablative paint slowly washes off over time and exposes more new paint over time. A very fast boat will wash all the paint off and leave nothing to protect the hull. A normal fishing boat is fine, but in order for it to work, the boat has to be used to "wash" off an old layer and expose more new paint. Divers stay busy down there cleaning boat bottoms that dont move, but if you have an agressive diver, he will scrub off too much paint and do more harm than good. You guys dont use lifts down there because you do not like to get your boats wet..it is because the marine fouling is intense and stuff grows all the time. We get a break up here in the ne when the water cools down, it shuts or at least slows down the barnacles, etc.
The benefit of ablative paint is that is does not build up in layers like the conventional hard paint does. Those layers have to be scraped off from time to time.