Split Descison is a apt title for this query. I think less hardward is better. I really don't see the need for a snap when a plug has a split ring.
Make sure your Finish Swimmer is not a trolling lure. I miss Nils Master - they had no split ring, but I recall fishing them direct most of the time.
Gather opinions, there's no harm in it. But in truth, I think you're better off asking a question like this directly to someone whom you know, who fishes where you fish with a similar style, and who has had success.
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