sit on slower but more stable, better for bay?

[Gingerman]

You're going to get wet in a sit on top boat. It won't take a wake to do it. There are scupper holes in it to handle the water you'll ship. That said, there's more room to put and access things in a sit on than a sit in. It is stable because of the low center of gravity you mention, and certainly easier to move around on than in a cockpit.

In a cockpit boat, please take some lessons, and learn how to exit an upside down boat, or better yet, do an eskimo roll to get yourself back up. It's not if you'll dump, but when, and how will you handle it.