Re: bilge pump question
I'm in the process of doing mine right now. My Wellcraft came with a two-way dash switch for the pump (ON and OFF). I wired my pump and float switch into the factory harness, and the switch is selecting between "off all the time" (OFF position) and "on when the float switch is activated" (ON position). The switch is labeled OFF and ON, but it really behaves as an OFF-AUTO switch. Your dash switch is likely the same way if you also wire a pump and float switch to the factory harness.
If you turn the dash switch on but the float switch is not activated, there is no power draw (float switch is electrically interrupting the circuit). There aren't any other sensors or anything else to draw power if you have a pump with a float switch (either stand-alone switch or integrated into the pump).
A possible exception may be if you have an automatic pump. These do not use a float switch at all, but turn on every few minutes by themselves and sense the resistance they face (likely via motor current) to determine if there is water present. These auto pumps may have some timing/diagnostic algorithms that draw very low power even when not pumping; maybe someone more knowledgeable can speak more to that if that is the type of pump you have.
To your last question, I am planning on trailering my boat but if I were leaving it at a slip my pump would be on AUTO 100% of the time. If my float switch killed my battery but saved my boat, I think I'd consider it a hero.
As an aside, I bought my pump and float switch from Rule, and they recommended in the instructions using a three way switch with OFF, ON, and AUTO. In this case, OFF would mean off all the time, AUTO would let the float switch turn it on, and ON would be float switch override to turn on the pump from the dash. They also recommend wiring an indicator light across the pump so that you can tell when it is running in AUTO mode. Like I said, I only have the two-way dash switch, but when I installed the pump and float switch I ran three extra wires to the dash for the indicator light and the ON position override when I get a three way switch at a later date. I only bring this up in case something like an indicator light would help give you a little more reassurance as to when you are drawing power