I would fit a fixed radio regardless.
Mine is a GME GX 700 which I have not used yet but I have a lot of faith in GME products. It is IPX7 waterproof rated and was the bonus pack coming with a really neat emergency torch.
This radio is easy to dismount and take home if you wish. Pretty good buying at $289.
www.gme.net.au/catalogue/fixed-mount-radios/vhf-marine-radio/gx700w.aspxFor $20 less you can get the GX800 hand held which floats. I don't know how they managed that.
www.gme.net.au/catalogue/hand-held-radios/gx800w.aspxI also have a Uniden Atlantis 250 hand held which I paid $250 for and I am quite happy with though it is a discontinued model.
Uniden and GME seem to be fairly well par with their latest offerings.
If you can afford it I believe it is worth having a fixed and a handheld. Handheld is handy when going exploring in the dinghy.