You'll spend most of your time at anchor
so collecting with the hook down is the most profitable. We had an awning that covered from the mast
to the back stay. We put plastic thruhulls on either side. When it rained, we let the rain wash off the salt
, etc. for a minutes. We'd then pull down the through hull to make a pocket in the awning and run a hose to the tanks. Never had to haul water or otherwise refill our tanks in a year of cruising in French Polynesia
. Won't quite as well in Baja
I don't like deck fills for water. Too many people contaminate their water supply with fuel
or pump out waste when they have deck water fills. It is a small hassle to run the hose below to the tanks but never a worry about suddenly being without potable water and having to get the taste out of the tanks.