Same here
We do much the same thing as Bear Guy ... tie a 1/4" diam. nylon line to the end of the chain when we remove the mooring ball in the fall. We then let the chain fall to the bottom of the lake and lead the nylon line to shore where we tie it to a stake in the ground. (My dad ties his nylon line off to an anchor and drops it in the shallow water next to his dock.) In the spring, we just raise the nylon line and bring the chain up to the surface to re-attach the ball. We've never had a problem using this method.
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