This was a great thread...
Plusses and minusses of several options discussed, and it didn't degenerate into a pi$$ing contest!
Just to add to the mix, here is what I did;
WM had a "special" sale on their SB-275 (<$750).
I like it in that it has a hard floor, yet I can roll it up into about a 2'x3'x4' 75lb package. I can also get it, up onto a plane with my Merc 3.5HP 2 stroke. I have had 3 people aboard no problem, and two are no problem in moderate chop.
Assembly and inflating it is a pain, however. I have been keeping it assembled, but deflated, in the bed of my pickup, under the tonneau cover. When cruising, I tow it inflated with the OB on the stern rail (I love that the motor weighs 30lb WITH a full tank of fuel
In total I have <$1500 invested in the dink & motor.