Just to share our experience, we have a full enclosure for our cockpit
that can roll-up and/or be stored.
There are two reasons we might want to roll down and use the side panels:
1) Rainy season. A few judicious panels down help keep the cockpit drier.
2) Windward protection on passages. We often install and then roll-down windward side/rear panels down for an overnight passage
Other than on passage
, those rear panels remain stowed and we've never used them at anchor
in the Caribbean