IMO, docking on water maps is mandatory, for the food as well as the wealth. The wealth is just gravy. A farm + villager costs ~100 after your first set of 5. You can get a bunch of fishing boats out before the cost ramp goes over 100. It's much more efficient to have villagers go on wood and fishing boats go on food.I have not tried this on sea maps, but I think you can even skip an early dock since you are getting bonus wealth from your cities. Tell me what you think.
Also, you'll want that dock and lots of wood income to pump military ships on water maps. Yes, your fishing is vulnerable, but you'd best be controlling the water regardless of whether you got fishing going on it or not.