Re: pump out vs holding tank
For a cruiser, you want a marine head (which should have a built in macerator, which is very similar to a garbage disposal, as part of the raw water pump) and a holding tank. The holding tank will generally have a macerator built into the pump out pump for emptying the tank if you are outside your area's restricted discharge zone and your holding tank is full and you will be out for awhile longer. Othewise you go to a pump out station and vacuum the tank out. The West Marine catalog usually has good schematics of the various plumping systems which have been used and what is preferred today.