Considering purchase of GW 20ft 209 CC after downsizing from 28ft GW Sailfish. Looking for pros and cons on going with a T-top or no T-top and advice of whether F150 is enough or F250 is better choice, big jump in price for both F250 and T-top. Boat primarily fishing Raritan Bay, sandy hook NJ within 3 miles of shore, fluke, stripers, may do some tubing, but not critical. Gererally 1- 3 persons on board. Does having a t-top interfear with fishing and does it provide any actual shade. Will I regret not getting t-top or more powerful engine?