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I use a swivel all the time. No matter what. I'm using a spinning reel. If I could get away without using one, I would.
Swivels do collect weeds if they are too big but if it's a dark night, you have to pay attention because you can reel it up too far and crack your tip top.
Another theory about swivels shared by a lot of people is that bluefish could see the swivel as a morsel of food and might just bite it and sever or weaken your line.
I'm not an expert but that's my opinion. If you can get away with it, go for it, but like John said, on spinning gear, you are better off with one.
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