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Regarding speed:
All trips you might make to a specific island in questing, will be about a minute of sailing. (If you TP to the right place first, of course.) Cutting off 2 to 5 seconds from those trips might not be worth it.
In SvS, speed makes a difference, but nowhere else. Shots from NPC ships can be avoided just as easily from a war galleon as a war sloop (it goes by the skills of the captain - tacking/windcatcher, etc.)
So, unless you love SvS (and are a competent SvS captain) I'd skip the war sloop and get the war galleon for big plunder & fast money. War frigate is showy like desolation, but its so-called advantages are not worth the extra gold, in my opinion.
Note also that the pitch and yaw of each cannon on a war sloop varies more than a war frigate (and cannon pitch and yaw varies a lot more on a war frigate, than on a war galleon.) So if you get a war sloop, you're inadvertently being cruel to your gunners (unless they memorize every cannon offset.)
For plunder, if you sail alone a lot, then you will want the heavy-duty broadsides of the war galleon.
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