The answer to your question is really one of personal preference and to a degree, one’s physical characteristics. My likes/dislikes are many times different than those of others. In my experience, I like my ‘17 F3L hundreds of times better than my previous RT.
I had over 54K miles on the RT. I’m guessing 80% of those miles were 1up. I’m told by those who have been a passenger on my RT and F3 that the ryde is more comfortable and “secure” on the RT. For me, the driver I much, much, much prefer sitting “in” the F3, rather than “on” the RT. I love the way the F3 handles and “feels” in all respects.
I did install an F4 windshield, which for me is perfect. I don’t ever recall adjusting the windshield on the RT. I look over the shield and never had a reason to raise it.
From a suspension and handling standpoint, my F3 is stock. I find zero issues with the OEM setup. My foot boards (Lamonster’s) are set at position 3, which for me stretches my legs out perfectly. I have never, ever “bottomed out”, either one or 2 up.
In my opinion, the things I pack, the way I travel are better suited to the storage components of the F3. I can haul at least an equal amount on the F3L as I did in the RT.
My only wish would be than the F3 had the 2 stage heated grips found on the RT. So, back to personal preference. If you’re not sure, ryde and re-ryde both until you are. Good luck in your quest.