You are on the right train of thought! You do want all the switches in that circuit turned on. Again, pull all the bulbs out, if you don't, the filament in the bulb is connected between H & N and the ohms meter will see this as a short between the 2 wires. Yes, test only that circuit, as you stated it only trips when this one circuit is used.
Yes, is is a boat, I think

. Thats way I try to make all my connections as water tight as I can & only use tinned wire. I just got my new boat and I am adding LED lighting, GPS, windllass... I am surprised, how much of the wiring is NOT tinned!! Marine wire is tinned & yes this is a boat.
The in the water thing scars me!! It COULD be coming from the boat next to you too. But thats just a guess, is your drive showing signs of corrosion? That would tell you too.