Steelflex will eventually wear off, even faster if you like to run dry. It's easy to put on and is about $150.00 to do a 13' hull. Makes the boat faster, really slick stuff.
Now polymer is a total different bird, wears real good,protects your hull from gouges and scrapes, runs dry with less wear.
I don't care for poly because I don't like all the holes you have to drill in the hull. Hard to walk on with all the nuts sticking up. And I would not do on a fiberglass hull at all, too many holes that might weaken the glass.
Just my opinion, don't hold me to it, but this is what I think........
ricmey1