while we are on the subject of stretch here is an older article that debunks the flourocarbon myths. just as much stretch as mono with poorer knot strength. only redeeming feature is abrasion resistance.http://www.tackletour.com/reviewfluorocarbon2.html
My answer would be Yes and No. There will be days when you could throw your bait on a clothes line and the bass will still crush it but there will be other days when they are finicky and line shy so being as stelth and invisable is the only way to get bit. When you think about it.... why wouldn't you use a leader.
But my question to you is.... why are you spooling up with hi vis mono to start with?