The boat bag zip faces down and is recessed reasonably well, but with all that jiggling about, there's a small chance of scratching. In fact the Mohair could rub the paint, especially if wet, and if any grit gets in there.
Since I had a ready supply of neoprene, it was easy to cut a patch just before we set off, and it stayed in place. The new piece is shaped better - I had a bit more time to think.