Generally speaking, a through hull transducer is better so long as it's correctly positioned away from turbulance etc. However, the quality, clarity, fine detail and accuracy of the fishfinder is greatly enhanced when used in conjunction with a DSM (sounder module) but these are not cheap e.g. the Raymarine DSM300 is £500+.
A decent fishfinder is essential for identifying when you are over the wreck or underwater feature but the sonar reading has a time delay and the fish you see could be 10 seconds behind you. In my opinion, a decent sonar is essential for the serious fisherman but over time, an accurate GPS will prove more productive as it will allow you to switch off the power pulling sonar and confidently drift or anchor over the hotspots. I have a theory about low frequency sonar "pings" spooking fish so once I'm in position I often switch off my sonar while drifting wrecks and/or rough ground.
A decent fishfinder is essential for identifying when you are over the wreck or underwater feature but the sonar reading has a time delay and the fish you see could be 10 seconds behind you. In my opinion, a decent sonar is essential for the serious fisherman but over time, an accurate GPS will prove more productive as it will allow you to switch off the power pulling sonar and confidently drift or anchor over the hotspots. I have a theory about low frequency sonar "pings" spooking fish so once I'm in position I often switch off my sonar while drifting wrecks and/or rough ground.