Thanks for the responses Damien and Mr. Forbes.
Clarkii, I was typing a response however you're too quick for me so much of our info is similar.
Joking, thanks.
With some rather decisive splurging I went down to cabella's and picked up a pontoon. I used the well maybe I'll drift down a river factor, which is very unlikely but nice to picture in my mind. Also, read that belly boats can be hard on the knees compared to pontoons because of all the kicking and feet dangling. The pontoon wasn't all that I expected but it will do and it's growing on me. I have the option to tack on a troller/ancors, easily adapt a fish finder, the oars move me around well, it's fairly comfortable seated upright with back support, and a good hone my fly fishing skills. My lower extremities do get wet so I will need that nicer pair of waders, I've been waiting for, come fall but the old ones will do in a pinch. I like how I can take it apart quick enough and transport with the air still in the bladder (not too full of course).
I've used an inflatable boat (fish hunter 4 - cheap) which I made a wooden floor, transom attachment for a 30lbs troller, ancors, and box seats. As you mentionned, sets up quickly, transports nice and gets the job done. Only down side to me was having to dry it then squeeze all that air out and fold it - especially in the spring and late fall. Of course the zodiac is much better quality and design which comes with the price but the zodiac isn't for me since I've been there done that in some sense.
All in all, I'm happy with my pontoon and am sure it will get its use.