I agreeI think an important question here is whether there will be women (wife or girlfriend) on board. If so probably go with the AC.
If not, every guy I know here in Florida just goes overboard for a quick swim when it gets too hot in the summer.
Now the women, that's another story. Especially if you want to fish for eight hours. I hate to stereotype, but most women I've been out with can't take it all day, especially the heat.