TMO makes the gameplay harder, of the two. Meaning that you'll be forced to act like a real skipper because the enemy will kill you otherwise. RFB is more forgiving, but you will still have to fight the boat, particularly with more than one escort, and/or in shallow water (and much of the PTO is shallow).
If you are a skilled ATO player, you'll be fine with either TMO or RFB. Try both.
RSRDC is not optional for RFB unless you have incredibly low standards.
