Dave,
It's looking great! Really nice patterns. grain and coloring. I have to go back and review how you stripped those patterns, they really are a nice focal point.
As far as inwhales, section is section, doesn't matter from a structural rigidity point of view whether all the section is outside the hull, or split between inwhale and outwhale. Seats can easily be cleat mounted, thwarts might be even easier to install without any inwhales.
I personally like some inwhale, if only to make the hull easier to pick up and move around.
Again, it all comes down to intended use and personal preference...