There are reason(s) that center consoles are popular. There are reason(s) that cuddy cabins are also. It just depends on your needs and wants. For me, I'm in the cuddy cabin crowd. I like the fact that I can store things away from people that would like to steal my stuff rather than buy their own. I like the idea that my wife can go to the bathroom without worrying about prying eyes. And yes, I like the idea that, if wanted or needed, I can seek shelter from sun, rain, wind, fatigue .....or whatever reason seems proper at the time in the cuddy. I don't have to worry about 6-9 people on my boat. Usually it's just me, sometimes its the 3 of us, but there's still plenty of room. This is one of those discussions (Like should I get 4WD for my truck?) that has no one single proper answer. It all depends on what you, as the individual, need.
As to the topic of an enclosure. Hell yes...it just makes sense to want to stay dry and not get wind or sun burned. You're supposed to be on the water for fun and relaxation. What's fun about being soaked, sunburned and covered with salt? My V21 will have an enclosure as soon as I can afford one. In the meantime, I'll retreat to the cuddy whenever I want some private time.
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1987 V20 w/1987 150HP Yamaha on a Shoreland'r Trailer
1978 16.5 Airslot w/1996 120HP Force on a Four Winns trailer
1996 V21 w/1993 200HP Mercury on a Shoreline Trailer
All towed by a 5.7L Hemi Durango.
If God didn't have a purpose for us we wouldn't be here, so
Live simply, Love generously, Care deeply, Speak kindly.
(Leave the rest to God) 
Silence, in the face of evil, is itself evil. Not to speak is to speak, not to act is to act. God will not hold us guiltless.
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