sit on slower but more stable, better for bay?

[yakyakyakehihe]

I want a kayak 10-12 feet for fishing north jersey lakes. some are pretty choppy cause arebig 250 acres. I'd really like to take it in the barnegat bay also, It's not a big bay or very choppy like chesapeak or raritan or deleware bay. I'm 160 pounds 5 foot 8.
i'd love answered asap( don't want a good deal to get away):

Are sit on tops slower than regular/traditional yaks?
Are sit ons more stable and better in choppy water (I'd assume non sit ons are more likely to tip if a wake/wave hits the side compared to a more flat bottom sit on)

it looks to me that regular/non sit on tops are easier to paddle but less stable. it looks like the deck of a sit on is so close to the water that a sideways wake/wave will get me drenched. Is a wide sit on the most stable for a choppy bay, but just more energy consuming to paddle around? the bigger it is, the more stable? ps i don't care if non sit ons aren't made to store fishing equipment, i'll put itside a regular yak if i have to, i'm not picky.
thanks