Obviously with a non-scale pond yacht, a gloss finish is more slippery and quite appropriate. Only for a true scale model do you need matt.
On real boats, only yachts that are taken out of the water after each time are left without antifouling, ie a gloss finish. These can be small day sailers right up to Americas Cup boats.
Anything that is left in the water needs antifouling, and having spent 30 years applying them, they are glossy when first applied and still wet, but they dry to a satin or matt finish within half an hour. These can be burnished whenever the boat is lifted out of the water for cleaning, but are still only satin at best.
Confusion can arise as photos often show the paint freshly applied and not yet dry, or just washed down and so still glossy with water.
By their nature, antifouling paints degrade and constantly lose their surface, making them even more matt and discoloured with time.
Chris