Yep electrolysis (more correct term is galvinism) can happen in fresh water too depending on the amount of dissolved minerals in the water....just because it's fresh water does not mean that there are no dissolved minerals that can cause galvinism when you submerge 2 metals that are different on the nobility scale (like alumium and stainless or aluminum and copper). In fact if I remember right when the Merc Bravo III was having its corrosion problems...some of the worst ones were in fresh water regions. Plus in a marina if there is shore power you have to watch out for stray currents....Even though I am in salt water....I am on a mooring...no shorepower...so corrosion is really not such a big problem...but marine growth is for outdrives...the anti fouling paint does not last all season so you have to pull the boat and re-paint about the end of July...
There are actually ways you can test your drive to make sure it's adequately protected....I think there was something about this on
http://www.boatzincs.comAnyone who tells you that you don't need anodes because you're in fresh water....is just guessing....and may be guessing wrong....