I know that this is a subject, that done correctly, needs all sorts of models and design programs and smarts, but none of those are available to me. I'm looking for a general rule of thumb.
There are many plumbing in instruction that say things like, "above the waterline when heeled". Not so easy to determine, that heeled waterline, especially when the boat's on the hard for the next several years. So would the following work?
tan(angle of heel) * distance from boat's centerline to hull at waterline. This is would be the estimated distance the waterline moves up one side of the boat and down the other. This assumes that the boat simply rolls on the axis created by the horizontal plane of the waterline and the vertical plane of the centerline.
For instance, at 30 degrees of heel near the main bulkhead, it's 4 feet from the CL to the hull at the designed waterline. tan (30) * 4 ft = 2.3 ft. So I'd mark up from the waterline 2.3 ft, which leaves about 6 inches of freeboard. This kinda coincides with my vague memory of how it looked the one time I had her on her ear.
I think that this quite conservative: the actual waterline will be lower on most boats as they heel, because the underwater profile becomes flatter and more barge-like. Is perhaps this too conservative an approach?