I love my T. I considered a lot of coupes prior to purchasing my 95 T, and every time I drive it I exclaim, "boy, I'm glad I got the removable roof!"
I live in florida, never put the top on, just pull it into the garage with the top off, then drive out the next day the same as the night before it, topless.
Personally, I wouldn't give up the Targa for anything. Not too much wind noise, and the stereo is quite audible when turned up and the top is off. No negatives to me considering I don't plan to track the car.