I never bought into the "don't run the tank low or you will suck up sediment" statement.
The reason is that the fuel outlet always picks up from near the bottom of the tank (within 1/2" above the bottom), so it really doesn't matter how much clean gas is above that point. If you get down to that last 1/2", then you start sucking air instead of gas. In a boat, there is always lots of sloshing around, so any sediment in the tank could be picked up at any time no matter what the fuel gage says.
The only reason to pump the tank out is if you know you have a problem (see LouC's comment above). I once had to have my tank pumped out because of a large water contamination in my 10% ethanol fuel. The water was due to a missing o-ring on the fuel filler cap. But in 4 decades of boating, that is the only time I had a tank pumped out.
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"Knot Easy" 2000 Horizon 240 Volvo 5.7GS /SX
tow: 2017 Honda PILOT EXL-AWD
prev. boats:
'87 Chaparral 198CXL 4.3 OMC Cobra
'69 Jetstar 16ft Ski Boat, 115hp Yamaha
'68 Aluminum Jon Boat, 3hp Sears
'64 Water Wings