You're entitled to your opinion, of course. Maybe it's hard for you to choose, but for me it isn't at all. No amount of Taylor Lautner (the actor) shirtless will change the fact that fundamentally Jacob Black (the character Taylor Lautner plays, not the actor) is an immature, selfish, obnoxious jerk at the very least and is completely wrong for Bella.
So, if it's just because of Lautner's abs that you're finding it difficult to choose, well, that's not really a choice between Jacob and Edward the characters, that's a choice between which actor (Lautner or Pattinson) you find more attractive.
TOTALLY!!!!!!!!!!!!!! you should base someone on their personality and not just their looks alone. Edward is perfect for Bella because they both understand each other, both are complete adults(sometimes), they can't live without each other, and they just belong together, period. Jacob can be imature, obnoxious, and selfish. but you have to admit he did grow up a little once he became a werewolf.
Other than that, it can't be Jacob and Bella. It will always be Edward and Bella.