Drop downs are complex, heavy ,expensive, high maintenance and will take up your complete forepeak. They always interfere with proper anchor chain storage and can instantly be damaged if you pick up a mooring line while maneuvering or you retract a fouled rope into the unit.
Tunnels are robust and hide inside your hull.
Id be surprised if you loose 1kt with a well installed tunnel.
When looking thru the different offerings choose the most powerful unit for your application.
What happens with a thruster is that it changes your seamanship and docking routine. Different options open up, like spinning the boat on its keel in a very tight harbour or singlehanded docking . Important that it can actually do the job.