Guess I'll add my 2 pennies. I've been cruising on the The Bay for over 10 years, and still don't believe I *need* a dinghy. Granted, I estimate I've split nights 40/60 between anchoring and docking, so there's been less need. I've never had too much trouble finding dockage - even day of - unless sailing on a big holiday. Then be sure to call way in advance. Also can get water taxi service at some the "bigger" towns.
That being said, I've actually wanted a dinghy for some time now as I've been leaning more and more toward anchoring and would love the freedom that a dink gives in ability to explore the surroundings and gunkholes otherwise inaccessible. Also, now that I've just moved from a 32' to a 40', slips fees (and everything else!!) are a bit more pricey
I'll be sure to read all the prior dinghy recommendations. Thanks!