Steve,
The Boat Basin does not raft and everyone gets an individual slip. I was there the last week of August and the place was not crowded at all. Neither was Paynes or Champlins either. I was in a slip too big for my boat, arrived on a windy day and their dock help left alot to be desired. That set a little bit of a bad tone. The positives are that you get a floating dock astern, restaurant/bar on site and alot less foot traffic on the dock than Champlins. No pool.
Champlins is great for kids. They have a pool, movie theater bumper boats, bike rentals etc. and lots of other kids. We always liked to walk the docks, look at the boats and meet people from all over. Kind of a strange mix of families and hard-partying groups. On weekends, they pack as many in as possible.
We've never been to Paynes, but hear the ownership is pretty decent. Close to Dead Eye Dicks rest. They raft/squeeze as many in as possible.
From what I can tell, there are 2 types of moorings. One is for larger/heavier boats but people seem to ignore that. Boats hover/troll through the mooring field and on a busy day, it looks like a musical chairs race when someone leaves. I've seen 2-3 boats rafted on moorings.
While there are alot of boats anchoring, I've seen and read alot of stories like Steve P above. When the winds kicks up, those that don't anchor properly are dragging all over the place. Which is why I tend to resist that temptation.
My issue with finding a mooring is that we are 5 hours away. If I leave directly from my home port in Glen Cove, I will not get there in time to get one making it necessary to leave a day early and stop somewhere closer. My current plan is to go in mid-July, overnight in CT somewhere and arrive on a Sunday or Monday morning. Look for a mooring and if non are available, get a slip. Anchoring is a third option.