Would you buy a big hi-def color plasma TV and then set it to low def and Black&White to watch TV on it ?

Then why buy a convertible if you plan on driving it with a hardtop.

And to the original poster, I agree you are at the good age to get yourself a 2-seater, I did the same at your age, that was 34 years ago and I have never owned anything else. When the wife and I had kids, she bought a mommy wagon but I kept my 2-seater convertible. Start young with the convertible and never buy a mommy wagon, life will be good.