Great stuff everyone! I really appreciate the honest feedback and the variety of opinions.
johng, I pretty much agree with you on the boat-sharing thing. I too like to spend considerable time outfitting my boat to get things just right. My skinny frame needs lot of hip shims (usually 3 per side), I have inserted extra foam behind the stock knee foam on most of my boats to bring the knee in and tighter to the thigh hooks (the only weak point on the Jackson outfitting, IMO - I know others disagree). The last one is a real pain, as it involves heating the stock foam, slowly peeling it back, getting the new foam positioned just right, then getting Mondo Bond in there to reapply the stock foam, applying pressure via dowels, sticks, etc, and allowing it to dry.
Anyway, I agree. My wife paddles her 2Fun a lot, but when she gets in one of our RR/Creek boats, she basically has to deal with MY outfitting, hence my desire to let her have exclusive rights to our new Karma S. Though for what it's worth, that Karma is the first boat I've owned that feels (while sitting in it, I haven't paddled it yet), like it is truly ready to go with no modifications other than shimming the hips.
"This river don't go to Aintry."