You want to keep the boat as light as possible for a number of reasons, including seaworthiness, ride, and economy. For back up anchors; Fortress or Guardian are good, along with a Delta Quick set or Manson Supreme as the primary. The secondary anchors do not need much chain. Lines for stern anchors can be light (3/8" in nylon, and poly for mooring to rocks in 3/8--maybe one hunk of 1/2" for abrasion resistance.
The nature of the C Dory 22, makes it different than a ocean crossing boat, where you might have 1000 amp hours of batteries, heavy tools, and spare parts to take care of any contingency..
We put the extra anchors (two 6 or 7 lb fortress/guardians) under the dinette, along with the extra props, and some other heavy items.
You want heavy low and in the middle of the boat. If you have weight forward, it has two detrimental effects. First it will put the bow down and this can be bad or even lead to handling problems in heavy following seas. Secondly the weight in the ends of small boats can lead to "hobby horsing" at lower speeds, in rough conditions.
Most boats do not have lockers under the 'V' berths. So far we have avoided taking the foam floatation out of two C Dory 22's, and one C Dory 25. On the Tom Cat, we also kept the huge storage area under the berth only for light weight items.
If there are other items--such as the dinghy or dinghy motor, generator, canned food, etc which do not fit in the lockers under the helm, galley and seats, then we keep an outdoor storage box from Wal Mart in the cockpit, along with the ice chest--keeping these forward in the cockpit, along with the 5 gallons of emergency water supply, keeps weight toward the center of the boat.
