Very well put, I firmly believe that that 20 lb flouro will out fish 25 lb mono every day of the week. However, if we all fished 20 lb flouro and Butch fished 25 lb mono, we'd still get out fished.
Your line is one piece of a very big puzzle. Always remember why your out there, for fun! Don't worry too much about what everyone else is doing and just enjoy your time on the water. Do the best you can while still living within your means.