I've got a CZ20 with 8 inch coil ... very similar to CZ21.
Fresh, salt, and how is the water movement where you expect to hunt?
Fresh water doesn't break down the small trash like salt does. Fairly dense trash, the 8 inch is better for target separation and less masking. Some fresh water places I've been are pretty clean; not a lot of water movement, I'd go 10.5 inch if those types of places are where you expect to hunt most of the time, just to get the ground coverage.
Most of my water hunting ends up being salt water beaches that have a fair amount of water movement. The relatively thick spider coils on the CZ's present a lot of drag when the water moves. The 8 inch is enough drag for me when there is a fair amount of water movement. I don't think I'd want the 10.5 inch with a lot of water movement. I also have a Sand Shark with a flat disc coil. That flat disc presents much less water drag and 10.5 inches of flat disk is less work than the 8 inch on the CZ20.
The 8 inch is also a little more sensitive to smaller targets ... may give you a little better shot at earring studs ... if those don't fall through the scoop!
Over all, I'd lean towards the 8 inch for most in the water hunting with a CZ.
tvr