I'm a land lubber and know for a fact that diesel (heating oil) if properly stored in a dry temperature stable environment such as an in home heating oil tank will remain usable for many years.
A marine environment is totally different. Moisture is a huge issue and will promote bacterial growth that will plug filters at a minimum and quickly damage any newer common rail diesel.
I live in Massachusetts at an elevation of 1895' and have never had nor heard of an issue locally with diesel that was properly delivered and stored.
I did have a barrel of diesel once that had water in it and it went bad, it plugged my tractor fuel filter and the engine started skipping. Had to drain my tank & flush the system.
You make a good point here on your experience in the marine world.
Your engines are large state of the art modern common rail diesels that have little tolerance pertaining to fuel quality.
Todays diesels have fuel filters that are rated at 2 microns or less the filter on my 1990 Dodge Cummins is most likely 10 microns.
In any situation there is always an exception to the rule and you pointed it out.
Proper handling and environment is the key to long term storage of fuel.
I'd like to mention that all my diesels are older with no electronics and from a preping point of view they will be happy running on any fuel that is clean.
To ensure the fuel is clean I use a goldenrod water block then a 10 micron filter followed by a 2 micron filter.
90cummins
Another modern diesel issue (mobile equipment now, small gens more so later in time) is tolerance to filter-plugging. An old mech-inj diesel might stumble and shut down due to a plugged filter. Restrict a modern diaphragm-pump on a diesel with a plugged filter, and you may be replacing the pump. Usually not a cheap lesson.
If I had to pick common fuels for long-term storage, I'd rank them this way:
1) Propane, only because Natgas is not commonly stored. Nothing else needed.
2) Next common liquid dino juice - Diesel. With appropriate stabilizer and biocide added. Replenishment needed with time.
3) Altho even pure gasoline isn't what it used to be...... Efree with stabilizer added. Replenishment needed with time.
They all can be made to work, over longish periods of time. My Hi-Rel/Lazy side likes propane's lack of Needs ______ added for insurance.....
Rgds, D.