You make a good point about mineralization. Barnacle Bill made an excellent post regarding this matter, and how to determine what your mineralization is, some time back. This is the link to his post, as found in the FAQFAQ section. http://www.findmall.com/read.php?55,574329,574329#msg-574329
Strictly my opinion....... and keeping in mind that the ground phase reading does not necessarily reflect the true mineralization of a particular site. I have moderatley mineralized soil conditions. I know this by performing the function Barnacle Bill described in the link above. And due to my detecting this part of the Country (with lots of different detectors) since 1972. As such, I've found concentric coils will achieve greater depth of detection than a comparibly sized DD coil. However, Minelab's X-TERRA coils are not "comparible" in size. Thus, it is difficult to determine whether or not the 10.5 inch DD will hunt deeper than the 9-inch concentric, at the same frequency. But, since you indicated that your ground phase readings typically run in the 17 - 25 range, I'd suggest you will obtain better results with the DD coils. My rule of thumb has been a ground phase reading of 28, on the X-70 and 705. By that I mean, if you are able to properly ground balance your X-70 or 705 at a ground phase reading of 28 or higher (= less mineralization), then a concentric coil will be your best bet. By best, keep in mind that although the concentrics do require a bit more overlap when sweeping, they provide a more accurate TID and depth is not compromised at lower mineralization. If you require a ground balance setting of less than 28 (= more mineralization), I'm convinced (through extensive comparison testing) that the DD coil will provide better results than a concentric coil. It just plain operates with more stability. So, my recommendation for your particular application (with higher levels of mineralization) would be to consider using a DD coil.
As to a smaller coil........ I hunt for old coins at old sites. Since my ground is moderately mineralized, the concentric coils do a great job for me. And for most of my hunting in wide open areas, I opt for the 9-inch concentric at 3kHz. I believe the lower frequency not only is better suited for the copper and silver coins I seek. But I also find that the subtle sounds provided by deeply buried iron targets allows me to avoid most of them. I've made several posts concerning those sounds. For sites with multiple adjacent targets, (nasty - trashy areas) a smaller coil is a plus. And for target separation, the "narrow" detecting pattern of a DD coil is a vast improvement over the wider detection pattern of a concentric. I have found that any of the three frequencies will detect gold, silver, coppper etc. I know that the lower frequencies are better suited for higher conductive targets. And the higher frequencies are better suited for lower conductive targets. But honeslty, the difference between 3 khz - 7.5 kHz and 18.75 kHz is not a huge difference. Not when you consider the VLF's built primarily for gold are running upward of 60kHz. So for me, in those areas with lots of adjacent targets, it's the size and design, not the frequency. I am willing to use ANY of the three frequencies for finding coins and jewelry. Since I want a smaller coil for less of a footprint, and the DD design separates targets better, I use the 6-inch DD at 18.75 khz. Granted, I may think I dig more can slaw than I might with the same size and design at 3 kHz. (due to a more pronounced harmonic audio response of ferrous targets) But that is just speculation on my part, as the only frequency at this configuration is 18.75 kHz. If there is any trade off here, it would be trading the 7.5 kHz frequency provided by the 6-inch concentric, for the 6-inch DD at 18.75 kHz. I believe I get more benefits with the better separation than I would ever lose due to the higher frequency.
As to pinpointing....... some report the DD coil to be more difficult to pinpoint with than a concentric. I don't think it is more difficult. Just different. To pinpoint with the small DD coil, you can still X over the target and dig where the loudest audio is directly below where the rod fastens to the coil. OR, you can X back and forth over the target, while slowly dragging the coil back away from the target. Just as you indicated, the sound will drop off as the target leaves the detection field. In the case of the small DD, that location is just under the front tip of the coil, when you are dragging it back toward you.
JMHO HH Randy