They just need to make anchored ships not taking damage when overloaded, thats it. No unnecessary edge cases.
About random rafts anchored all over the place - lawless islands should allow beds, rafts should decay even when anchored. I don't have a freaking place to place a dry dock anywhere because of rafts.
And rafts should be "pushable" after sometime even when anchored.
People can just f* with you and park a shitty raft in front OR even in the dock and then a 200 wood raft can block exit for a 125k wood galleon.
Edit: IMO rafts should decay faster even when not anchored in a "friendly" claim, that would help a lot with clearing coastlines on lawless.
Note that I playing on PvE and I am currently sticking to lawless until claim system is fixed.