Nobody asked the most important question, how tall are you and how much do you weigh? Skunk is a little guy so he can get away with a sit inside, lol. I'm a big guy so to me a sit inside is a floating coffin. You couldn't pay me to go in salt water or the delaware in one. I have been in some pretty hairy situations on the big D between Belvidere and Pburg that would have put me on the bottom of the river in a sit in side. And the weight capacity of my yak is 600lbs. I would go with a sit on top. It's your kayak and if something goes wrong it's your life preserver. I have an ocean kayak prowler Big Game 2 and love it(except the "lifetime" hull and deck warranty is basically just a role of toilet paper). My buddy has a Jackson coosa HD and it comes ready to fish. If I were a smaller guy the HD would be an awesome start.