outfitting, ship mass and cargo (plus a turret question)

currently i am outfitting my adder and my ship mass is at 94,5 /99 t.

my question is:

can i use all the 99 t. for equipment or do i have to leave some free mass for my cargo? right now my cargo hold is at 16.

ps.
i know that the cargo affects my jump distance, just not sure if it has some "real" mass.

pps.
is it worth to mount turrets on a adder? or are gimballed weapons better?
 
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