Well you might consider this.
Your keel is what keeps your boat from slipping sideways which is why full keel boats track better and so cruisers like them. Fin keels are better for racing because they allow for quicker turns.
If you want to cruise you also have to consider worse case scenarios. Like what happens when the wind is so severe that all sail must come down. In that case sometimes people have to put out drogs, not just to slow the boat but so that their boats will be quartered aft to the wind, which is recommended for heavy weather. On many full keel boats this position occurs naturally when in severe weather.