Can we use surface reflectance (SR) product for coastal area?

Hello,

I currently use Planet (4 bands) for seagrass mapping in the coastal areas. I checked surface reflectance product (analytic_sr) but still wonder:

1. The 6S aerosol model applied for Plane scenes is Continental. So, is SR product suitable for the mapping of aquatic habitats?

2. Pixel value of SR product is land surface reflectance, not above-water surface reflectance. Is that right?

3. Can we gain any improvement for a Planet scene in coastal area if 6S model used with Maritime aerosol model?

Many thanks,