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f ratio is totally unimportant for visual as you vary the magnification with your eyepiece fl. The only difference is that a longer fl eyepiece will achieve the same mag if the f ration is bigger. 8mm eyepieces seem easier to use than 4mm one etc.
Terry not quite correct
the F ratio determines the field of view so a scope with a large f ratio will have a narrower field of view and will be useless for wide field views of star fields although perfect for planetary.
This won't change unless you use a focal reducer.
Cheers
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