The Retro sure is a beauty and the Ural T is the flat black bare bones model.... which would you rather take down a gravel road? If you're tall you may find the Retro a bit cramped as the seating position and frame are different. I always felt like I sat "on top" of my tourist which I found more comfortable than sitting on a Retro. The tubs will feel about the same but the windscreen and comfort details in the tub seat on the Retro are a plus.
You'll probably get tighter handling and some less head shake on the rough stuff with the Ural T's leading link fork. Both have dampeners so you can adjust the Retro for rougher conditions.
If you really want to put it to work hauling kids, the dog, exploring on dirt and such and your hack monkey is OK with wind in the face the Ural T should do fine.
Whichever you choose either model will always turn heads and start a long conversation.
Scott in Shoreview
'79 Suzuki GS550
'02 Ural Tourist (Gone but not forgotten)