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Most people I know want to use as little hardware as possible. Bass certainly will hit when using wire if they are actively feeding. However, when they are neutral, they can be leader shy.
If you are bait fishing and are targeting bass, skip the wire. Sure, you may lose some hooks to blues, but that's not a huge investment. If you're bottom fishing, you are just as likely to lose rigs in the rocks... its gonna happen.
If you get chopped off, then switch to the wire. And its not a 100% loss rate either. I landed several blues last fall using only a 20lb. mono leader... I also got some of my lures peeled. But if you hook 'em in the lips, they may not get to your leader.
You can also try circle hooks. The hook is designed to hook the fish in the corner of the mouth which would increase your chances of a blue not munching through your leader.
Bottom line. If you are gonna fish alot, you'll lose some terminal tackle. I wouldn't sweat it too much.
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