Ok I admit it. I am sick of fishing from shore. I am looking for something to fish the local lakes and interior lakes. I am a bigger dude so I don't want anything mickey mouse.
2. If I go with a car topper, my main concern is space. I will find space for it but its got to be a pain in the but to transport it. I would then need to buy a trailer. and then a motor.. and then a battery and then and then and then.
If a boat is so big or heavy that you have to trailer it, then by definition it is not a cartopper unless you get a truck boat loader but that's serious $$$. Something like a Lowe 1040 only weighs 85 lbs and can be put up on a roof rack by one person and cost same or less than a good brand inflatable. But you need space to store the thing. If you live in an apartment and cant stash a 10ft boat then you're basically limited to a quality inflatable.
You never said what type of fishing you like to do, so consider what accessories you need and how you would do it on your new boat. With aluminum cartopper you can mount anchor locks, rod holders, transducers, drink holders etc literally anywhere you feel like. If you like indicator fishing; ie double anchors, two rods, fish finder, you'll need to think carefully how to secure all that onto your craft and the interior space it will take up.
You said you're a larger guy. One benefit of inflatables is they do tend to have larger max weight capacities due to the buoyancy, which might be important to you.
I will admit lots more inflatables do seem to appear on the used market for very reasonable prices compared to used aluminums IMHO.
Another wild option is a foldable porta-bote. Rigid hull boat that folds totally flat for transport and storage. Never used one but seen a few floating around. Looks neat but $2-3000