I prefer the top down AND windows down. We choose a Vert because we like open air, this is my 3rd convertible since 2000.
However, depends on when and where, sometimes I have to put up the windows, like when I am driving to work in the morning going 100-130km/h on the HWY for 35 minutes.... my hair will get all messed up if I have the windows down
But other than that, I like to have windows and top down as much as I can
