If you are looking for just performance, as in fastest, closest to the
wind, then fin keels win over any other standard design. But how important is straight out speed to you? If you are looking for a cruiser then I wouldn't worry about the performance difference. I would be more concerned about the quality of the
boat and the other advantages and disadvantages of a
bilge keel.
To name a few, in general terms:
Shallower
draft
Not as close winded as fin keel
If designed and built for this, bilge keel
boats can stand stable when aground. Can be done intentionally for bottom
cleaning or
repairs.