first off, welcome aboard! its always nice to expand with new people!

i am an XT guy through and through and this year i changed it up a bit. i moved up to 6lb from my usual 4lb and changed from clear/low vis green over to red. this is mainly because at the end of may i will be graduating college and moving to my new home with my lovely new wife (in august) along the wisconsin river. the red line really blends into the water well because the red spectrum disappears first because of the lack of light penetration in the stained waters of a river. first outing there with the new line i pulled in a 44 1/2" muskie on my ultralite rod. was quite the adventure!
one of the lakes my group frequents up in the Q, jesse, is quite stained as well. our favorite lake, oriana, is a bit more clear but i feel the red line wont really hurt me there either, seeing as most fish we pull out of that lake are in the 8-12' deep range.
i know a lot of guys that change their line all the time and use different stuff for different lakes, applications, etc. i usually go 2-3 years on one spool of mono and i just replaced the fireline on my baitcaster after 9 years and i still catch lots of fish. i never really have an issue with breakoffs, even at the 4lb test level. if you use the same line, you have a better knowledge of how it reacts in certain conditions whereas if you are always changing lines, you have to be constantly changing how you fish it.
my personal opinion has always been and always will be that if you have to change line for every application, then you arent fishing right. if you break your line off in big fish, you arent doing your best job. im a huge backreel kinda guy and i really dislike the drag, so its a style thing maybe. all the new lines that are coming out that are better for this style or that style, remember that people used to catch huge numbers and big fish back in the day with super thick mono/braids. if you are using the right lure and presenting it properly, im a huge believer in the fish will bite no matter what line you have.
so the bottom line is, use what you are most comfortable with because then instead of worrying about your line, you can worry about which lure and how to present it. but up in the Q, in the famous words of our own solotripper, "For the casual/meal fisherman, just keeping a line in the water as much as possible will do the trick 99% of the time. " you cant catch fish if you are always changing spools of line or tying new stuff on because you listened to someone else and used line that you arent comfortable with.