My two cents
I have owned two keel boats to date. The first was a shoal draft keel boat and the second is my fin keel Hunter 25. Even though I sail in an area where draft must be considered (Great Lakes, specifically Lake St Clair), I prefer the fin keel to the shoal draft keel. Preference is base on two considerations: responsiveness and pointing capability. As far as responsiveness goes, the fin keel boat is, by far, more responsive and sensitive to her helm. Pointing capability lies with fin keel over shoal draft keel. For the keel 1 ft depth savings (2'11" vs 3'11") for my 25 or your 27 (3'3" vs 4'3"), the pointing ability and responsiveness lost is simply not worth the ability to get closer to the beach for that afternoon picnic.