So why make/buy submersible lights if unplug them every time? Is not this what they are intended for?
All late model trucks I know of, trailer is fused separately under hood to protect rest of system. Only way I could see cause any damage worst then a blown fuse is if one switched to wrong size of fuse or while backed in and lighting struck water. Once one pulls out of water it does not dry right away, one would have to sit there quite a while for everything to completely dry out. If do have issues using submersible lights backing in I believe it's a problem due to wiring problem and just showing up sooner then later.
I just switched my trail to all LED lights. I got tired of the cheap wire they come with, drying and cracking, so I run 16ga chemical resistant extension cord wire inside frame, soldered and liquid taped every connection. Solder directly into side marked lights sealed with silicone. Also soldered with liquid tape a round 7 pin plug with pigtail to wiring, so did not have to use adapter up at truck. Used grommets also every place wire come thru frame. The extension cord wire is a 3 wire so I also could ground every light directly to plug and not rely on trailer for grounding. I am very confident wiring will hold up for yrs. with no issues.