Re: t top on 20 MA
Since you've only got a 115 you will probably notice a significant difference whereas those with 150 to 200 hp wouldn't. The rest depends on how you intend to use your boat. If you drift for fluke, you will drift much faster with a t-top. If you fish from the helm area, as I often do, you'll bust a few rods on the hookset.
You might want to run your rig for a season without in order to decide if you really want a t-top.
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