JaD is right, different folks have their preferences, and no one but you will be able to settle this issue once and for all. That said, I'll venture a few observations. First off, on underlining--when I first started fishing, I was reluctant to use a line that didn't exactly fit the weight printed on the rod. A few trips where I had the wrong spool for a rod and had to make do quickly taught me that if you can make it work, it can work. So here is my recommendation. If you want to fish with a 5 wt. line, buy an inexpensive 5 wt. line and try casting it on your rod. See how it feels to you, and see if you can get the kind of loops and casts that you need to make. If you can make it work, it will work just fine. Or, fish the 6 weight. Some very good fishermen prefer rods much like yours for all around fishing. They make the rods work by casting lightly when they need to, and avoiding line slap. If the fish are stocked, using a 6 weight probably won't make that much difference in many cases, if your casting and leader are right. For wild fish, or for low water conditions, you may benefit from a lighter weight rod. If this is the case, I would recommend a medium fast 3 weight, which can be fished with a 3 wt. line or overlined with a 4 wt. to slow the rod down a bit. Or a 4 wt. I believe Temple Fork rods are hard to beat for the money, but that's just one opinion. As for reels, here's my poor man's solution. After reading a bunch of reviews, I bought an Okuma Sierra 4/5 and three extra spools for it. Using gel-spun backing (bright yellow Powerpro line) and cutting the butt ends of the fly line down a bit to shorten my 5 and 6 wt. lines (to accommodate 150+ yards of backing), I was able to set up a 3 wt. spool, a 4 wt. spool, a 5 wt. spool, and a 6 wt. spool to cover a range of situations. I use the same reel on my 3 wt. 7.5 foot Temple Fork rod for small stream fishing that I use for my 5/6 wt. 9 foot BT rod on big rivers, changing the spools to fit my needs. I've landed 20 inch rainbows on the Henry's Fork using that reel, and 4 inch brookies in tiny mountain trickles. If I ever have the money, I'll invest in another reel or two, but until then I prefer to have multiple rods and one trout reel. If you can make the reel you have work for now, getting a couple of spools may help keep your costs down for a while and allow you to experiment with different rods. Until you get into big fish and open water, the reel doesn't usually make or break your effectiveness in playing a fish. For now you may be able to simply set your drag light, and practice palming the rim, if it is exposed for palming, to add drag when you need it. Most of all, keep experimenting and practicing, knowing that many answers will come with time and experience. Now let's hear what others think!
"He spread them a yard and a half. 'And every one that got away is this big.'"
--Fred Chappell