Re: t top on 20 MA
When I bought my SeaCraft 18' I was intent on immediately removing the t-top that was already on it. As the false albacore season was in full swing in NC at the time, I decided to fish it for a few weeks first and then planned to remove the top. After the first day on the water I knew the top would be staying on - it kept the sun/rain off and didn't hinder my other activities at all.
Look at it this way: your 20' with a Suzy 115 is no speed demon to begin with. That being the case, let's say it gets you to your fishing spot five minutes later with a t-top, is that going to be a problem? Do you like an increased level of tan at the end of the day? Do you have access to anyone's boat that is in that size range that has a t-top so you could fish it for a day to see if you want one of your own?
I've never fished in CT so I don't know how much relief from sun I would want up there. Here in South Florida, I find a t-top greatly helps with the heat in the middle of the day and wouldn't own a center console boat without one.
You'll find those that are for and against t-tops or bimini tops but only you know what is best suited to your boating situation. Try before you buy if at all possible.
On the performance issue, I only ran my 20' for one day (with a different engine) prior to it's redo and new engine. With a full 75 gallons, t-top, full cooler, it tops out at 40mph. Maybe one of the other owners with a 140 Suzy and 75 gallon tank can speak to what that hull will do without a top on it.
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