What the standard reaches, and what it does not
On this page11
Oil is the subject
40 CFR 110.3 defines a discharge OF OIL in quantities that may be harmful. The sheen test is a test applied to oil.
Which covers marine lubricant squarely
Gear oil, engine oil, outboard oil, grease and the trailing edge of any of them. One leaf of three is directly the subject of the standard.
A boat cleaner is a different legal animal
An aqueous detergent discharged into water is not an oil discharge. Whether it may be discharged turns on other rules, on the water body and often on a permit.
And this property will not pretend to answer that
In-water hull cleaning and vessel discharges are governed by a permitting regime that has been changing, with state conditions on top. Those are named here and not summarized.
But the second limb of the clause still bites
A cleaner that lifts oil off a hull and emulsifies it may produce "a sludge or emulsion to be deposited beneath the surface". The oil came from the boat and the cleaner put it in the water.
Which is the honest thing to tell a cleaner customer
Dispersing oil is not removing it. A product sold on that basis needs its copy read against the clause, because the clause anticipated the trick.
Hull wax is mostly not a discharge at all
It goes on the hull and stays there, and the application happens on the hard more often than in the water. The risk is the container rather than the use.
And the container risk is the same for all three
A dropped bottle in a cockpit, a split container in a locker, a cap left loose. The product does not need to be oil for the spill to be a problem, and if it is oil the standard is visual.
Water quality standards apply to the rest
The first limb of the clause, "violate applicable water quality standards", is where a non-oil discharge is likely to be judged. Those are set per water body and are not a federal constant.
So the useful summary
For the lubricant, assume the sheen standard. For the cleaner, assume a permitting question you have to ask locally. For the wax, assume the container is the only exposure.