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I have two Whalers with on-deck tanks, a Montauk with the original Tempo aluminized steel 12 gallon tanks, and an Outrage 21 with Moeller red plastic tanks, 18 & 12 gallon capacities.

First of all, on-deck tanks do not collect condensation like a built-in tank does, so no water separating fuel filters are needed. Since the engines are carburated 2-strokes, I run Stabil Marine 360 in mine all the time, to avoid carb varnishing, etc when not in use. So with this ethanol fuel treatment in the gas, nothing has to be done over the winter. In the Spring, for the first fill up, I use premium gas, either with or without ethanol, to bring the octane level back up on whatever was in the tank over the winter. I've been doing this for 50 years with no problems.