I am looking at buying a Bay Reef 210 in the next few months and looking at opinions on whether to get a t top or not. Will be doing a mix of lake fishing (80%) and inshore (20%).
If I go with no top, it will fit into my building without issue. T top will require outdoor storage until I can build something.
For those that have a t top, why is it a must have? Thanks for your input
I have the 230BR with a T top. Would not consider it a must have. Have/had other, slightly smaller boats without the top. Shade at the helm is probably the best benefit for me and it is a big deal in hot weather. Good to hang on to for passengers. Radio is mounted in the top, stores PFD’s, etc.
No bueno for flyfishing, rod breaker.
If I was using spinning or conventional tackle, I would choose - did choose - to have a top. Don’t think I would build a garage just to have it.
Shade is your friend. You won’t regret it.
Also, welcome back… 9 years dang 
Have you considered a fold down type T top?
I was in the same situation and went without the t top due to height restraints on my shed.
I’ve seen some nice ones I’m considering.
Boat T-Tops - Universal T-Top Accessories | Fishmaster https://search.app/vkyeEk3phEqEAeet9
Bimini, cheaper,removable, lighter, can fish pretty good when it’s stored, not so much in use. I only used a top in July and August, and stored it the rest of the year.