I'm my opinion if I'm baiting over debris like you mentioned then I use half baits as they flutter down much slower than a whole bait ( if using boilies) which gives them a better chance of sitting on top of the chod.
I use the esp bristle filament 15lb, I did use buy the 25lb first but just could not get it through the eye 3 times and was far to stiff imo, but the 15lb is just perfect.