Mike, The guy that set mine up did a very nice job, but if I had to do it over again I would do both top & bottom combing. The bottom combing gives you just enough room for your safety gear and at least one ski, a tow line, etc... It gets the vests, throw cushion, etc, out of the way while their still "readily accessable"... You'll hear that term again the first time youre boarded by the water patrol and all your safety gear is stowed in the bow (so your not tripping over it...)
Something to consider.
Joel