George,
There are as many opinions on this as there are sailors. Here's mine.
I have a similar boat to yours...a Perry-designed 42' sloop. I, too, wanted chart navigation on a PC, both for planning purposes and for an additional navigation aid underway.
Being a navigation nut (practiced it, taught it including celestial, wrote programs for it, etc.), and having some direct experience with high-end GIS systems in the government, I was very wary of certain technologies, including early vector
charts. Why? Vector
charts are digitized, often by hand, often by humans who are fallible and who'd rather be doing something else. By contrast, raster
charts are "photographs" of actual
charts...they look exactly like them and they contain the exact same information. Vector
charts don't look like real
charts, and they often don't contain some of the useful information contained on real
charts.
This is not a rail against vector
charts. They've improved a lot, they are ubiquitous these days, and they have some distinct advantages like layering.
However, for me the choice was simple: I wanted electronic
charts which were exact copies of the paper
charts onboard. Ergo, raster
charts.
Happily, all raster
charts of the United States are now downloadable for free. Another advantage. And, the latest versions can be downloaded just prior to needing them, in part offsetting the decided advantage of keeping vector
charts current by downloading "change" files.
The software I've used successfully for several years now....and many thousands of offshore and inland miles....is Maptech's
Offshore Navigator. I find it easy to use, it interfaces well with my
Furuno GPS units, and Maptech is very good about providing updates to, e.g., tide and current data. This program lacks some features which the higher-end Maptech product now includes, like seamless transition between
charts. But, I've found it more than adequate.
I used it for about a year before I interfaced the
GPS to the laptop, preferring to take positions off the
GPS and plot them on the electronic chart by hand. However, I found during a trip up the ICW in very narrow channels that the
GPS was bang-on....I could tell if I was in the middle of the channel, or off to one side slightly. So, I broke down and interfaced the two a couple of years ago, and am very happy with the result.
My solution works for me, but not everyone is as finiky about navigation as I, or as willing to forego certain features that other programs provide, and that can be had with vector graphics.
Bill