Depending on the price, if you can find a serive that will polish the fuel that might be better since your talking about 100gal or so of fuel. Polishing it is not cheap, but in the end you keep the fuel and can use it, draining the tank will mean you loose the fuel and then need to replace it. Neither is cheap and needs to be left to professionals. I would highly advise adding startron enzyme treatement, it will asborb some water if present and pass through the engine safely, and will save you a filter or two over the course of the season if you truely have issues. If you have lots of particales, that is a different story and you really need the tank cleaned out and drained to properly do it. My advice would be add Racor 2micron filters, that way no junk reaches the engines. Carry spare filters so you can safely change it on the water and get in and avoid the tow feee and trouble. The clear bowls are the way to go to determine if your problem is just water, or particles as well anmd is easy to monitor. Every boat should have an external fuel water seperator nowadays, it is a cheap insurance policy for your engine.