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I'll second the Hydrocoat recommendation. It's highly effective in salt water and I'm sure it will also do well in fresh water. It should be applied after the barrier coat. A roller does a great job per the instructions on the product but a brush may be needed here and there.

I like three coats. The first coat should be a contrasting coat. The next two coats can be white. The reason for the contrasting first coat color is so that you will know when it's time to reapply the two outer coats without the chance of losing protection before applying.