The whole package
Hi Steve -Sounds like if all things were equal except the keel, you'd choose the fin keel. However, there are a lot of variables to consider, and if there are more "pluses" than "minuses", you might be able to overlook that aspect. Everything is a compromise, and you might reap the benefits of that shallow keel some day. My boat has a furling main, which I probably wouldn't choose if I had the choice. However, the rest of the boat is about perfect for me, and I've learned to enjoy the benefits of the added convenience. Make a long list with + and - columns and add values in a range of say 1 to 5 of importance to you. Tally the numbers and see if it tells you anything. I've used this method to make tough decisions in the past; it just might help.Best,Trevor