In the 'mounted vs handheld' debate, I lean more toward the hard-mount. Still, you are way better off than the people who don't have a VHF at all. In a smaller waterway like Winnipesaukee, you have a very effective amount of capability.
If you have a big gadget budget, there are fixed mount units that you can install under the helm and use a hand-held repeater unit. If you get one that works with the PA horn, these can be great fun when kids get close to your boat at the dock.
Good luck!
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