If you are only taking basal insulin...divide the number of units you are taking by the number of hours between doses (or total number of units per day by 24). That's what your DR is guessing is your basal plus bolus rate. Let's guess 96 units a day (probably too high, but it divides by 24 easily). That's 4 units per hour. That is the "goes in". Let's say you use 20% more energy while sailing than not. So you will only need 3.2 units per hour. Rather than cut back on your basal dose, you might try eating 1 unit per hour which is about 13 grams of carbs or about 3 glucose tablets or one beer. You will probably find your bg is higher a little when you get back to shore, but that's better than going hypo.
Knowledge is power with diabetes. The more you know about how your body reacts (to foods, insulin, exercise) the more confident you can be. Everyone is different so you need to find out stuff...and (unfortunately) you have to keep checking what you find out because as you age, as seasons change, if you get sick, as your emotions change (seriously, having a fight with my wife is life threatening in more than one way

)...it is a lifelong study.