My mechanic treats with a Stabilizer in the winter. Because of our heat and humidity on the Pamlico, I use Biobor JF, which is probably not necessary when I'm buying ValveTect from River Forest. Dowry Creek carries Valvetect, too. When I bought my boat I had a fuel filter clog up, possibly because the boat had not been used much in the two years before I bought it, or possibly because of a batch of bad fuel bring it down from Rhode Island. Either way, I should have had the fuel polished, which I ended up doing later that year - and it proved to be really nasty.
So, if the boat is new to you, especially if your boat hasn't been run much in the last few years, I'd recommend having the fuel polished and all new fuel filters installed before going very far away from the dock. I wish I had done that rather than have to switch to the back up primary filter 3 miles off of Cape May Inlet in 5 foot waves. If you don't already have a fuel vacuum pressure gauge, talk to your mechanic about that.
My routine is to change primary and secondary fuel filters every year, alternate the two primary filters every year, inspect Racor transparent bowls before every cruise (have never seen any water or debris!), peak at the fuel vacuum gauge every hour or so, use a "shock treatment" of Biobor JF every spring and use a stabilizer every winter. Overkill? Probably. Confident fuel condition? Sort of. That means that I keep looking for weaknesses in my approach to fuel, since dirty fuel seems to some TF friends to be the number 1 issue in getting stranded.
Lastly, over the years since buying my boat, I've read as much as I can read about fuel, oil, etc., and Parker, maker of Racor, has some great information on their web site on fuel filters, micron sizing, etc. With 2005 Volvo turbo engine - not common rail - 10 microns seems to be the right choice both primary and secondary filters. Your engine manual is the first choice to check, but Parker/Racor and some boating mags are worth checking, too.
Enjoy Albemarle and Pamlico sounds and tributaries - small trawler heaven!