Nice job ... you are going to love your boat. It looks nice and beamy, so I suspect it will be an awesome tripper under load.
If you decide to change the varnish, that is a simple operation at the end of the year, just do a cleanup and swap, for now, use the boat and appreciate what you have accomplished. I typically will use a high gloss inside and out for max protection, then use a flat final coat on the interior to kill any reflection. So your thinking is on point IMO.
Again, congrats both on finishing and getting out, you are going to have a grin from ear to ear, once loaded and underway.
Brian