The family and I went down in August and I had the same dilemma. I had never taken a boat out on Taneycomo except once I rented one and didn't stray far from the marina for fear of hitting underwater obstacles. Again this time I was afraid and we reserved a rental boat for one day, just because I was too afraid to try boating there again. I later decided against it and decided to take my own boat and use the money we had paid to reserve a boat and rent a stall instead.
It was the best decision made, hands down! It was wonderful to walk down to the marina and jump in the boat anytime we felt like it and we had a ball out there, even though it was a little on the hot side. We still didn't go all that far from where we were docked because we really didn't have to. We lodged just below short creek and motored up to fall creek then drifted back down below Lilleys. Most of the time we didn't even go that far, again because we caught plenty of fish right where we were at. My 9 year old son caught a beautiful 7.5 lb rainbow right at short creek.
My advice is to do as I did. Go slow and watch where the other boats go and follow them if you don't hear them hitting rocks. Ha Ha. But believe me we saw and heard numerous boats hitting rocks. When the water wasn't running it was so clear the I would watch the bottom on the drift down and take notes of depth and obstructions underwater.
Go ahead and take it down with you, you'll be glad you did. Good Luck, Chris