I tried both sit in and sit on before I bought. I prefer the sit on. Easier to get in and out if you want to wade a section of creek. I also have found the sit on easier to set up for fishing. Plenty of room to add rod holders and fish finder. Easy access to my cooler in the back and large plano. I fish either slow moving water or lakes for the most part, not rapids. Had it out in Buzzards Bay up in Cape Cod earlier this year too. Have not fished the yak during cold weather season. The sit on does seem to be a "wetter" ride.

Andrew