Pick the reel that feels best for you but if you plan on reselling one day, the riverkeeper will retain it's value better.
tossing iron, the difference between mono and fluoro is fluoro 1) sinks, 2) is less visible in water, and 3) is more abrasion resistant. Its beneficial when fishing wooded/rocky, clear water conditions. i know what you mean about the cost, cheaper alternatives are fluoro LINE or coated Fluoro (like Fluoroclear) which have some but not all the benefits of the expensive fluoro LEADER material.