Yeah, go for the metal one. Catch a rope or something on an exposed plastic part and you'll rip the bottom out of it. If you regularly have water in your fuel, it's a problem that needs to be fixed, not worked around. Sounds like you're just adding some additional insurance.
My recommendation is, if you can, go to a store like West Marine (not endorsing them, they are just likely to be around and have stuff you can touch) and look at the stock of replacement canisters and figure out what is reasonably priced and readily available, hopefully in a couple of different brands. As an example, my Tohatsu came with a fuel-water separator and getting replacement canisters from the dealer is fine and all but I can use the Sierra 18-7945 and get it practically anywhere that sells boat stuff and it's not expensive. Pick your filter kit by what has the easiest to get replacement media.
Last edited by whosmatt; 05/27/20 09:12 PM.