Keel stepped for me
Last summer (2008) I had a cotter pin come loose and the clevis pin was next, which totally disconnected the forestay. At the time I was a few miles offshore, flying a 150 close hauled in 10 to 15 knots. With that much sail flogging around, and the forestay gone, I firmly believe I would have lost the rig with a deck stepped mast. Before that I had never given much thought to the deck/keel option. Now I don't think I want anything but a keel stepped mast. To end let me remind everyone, check your rigging regularly, including those lowly cotter pins. Even if you do not loose the rig, you do not want a shroud to fail, anytime, anywhere.
Dream like you will live forever. Live like you will die tomorrow. ( James Dean )