My last 2 boats were fin keels and the last a modified fin keel. The fin keel on my Pearson 36 draws 6' and the modified fin keel on my Jeanneau SO49 draws 7'.
The Pearson 36 is up here in CT and the Jeanneau is in the BVI. I wouldn't have a shoal keel up here. If you are going to be in shallow waters most of the time then it would be a neccesity to have a shoal keel/centerboard.
By the way the Pearson 36 is for sale. It's been reduced to $40,000.00