Thanks for all the replies. There is a good winch on the trailer, and I could use it for the few times that I'd want to load when wet. I think I'll still put something on the tail to make it faster and easier.
I spent about 4 hours working on the trailer tonight. The shaft that operates the tail lock was frozen in it's bushings. Bad design- no grease zerks for that shaft. None of the other pivots had ever been greased- all the zerks were painted over. It sure works nice now. I think I'm gonna like this.