Nothing wrong with the sit-in when it's in the low 40's and you still want to go fishin'. If you're not going to be getting in and out of it a lot, the sit-in should serve you well.

On the West Coast of Florida we have hundreds of thousands of acres of saltwater flats we like to paddle to then get out and wade. The sit-on is ideal for that.

As was mentioned .... start your own flotilla.