Check out either fish/ ski or ski/ fish models under the following manufactures:
A fish/ ski model will be more fishing oriented with trolling motors/ live wells/ rod storage
A ski/ fish will be the opposite. Less fishing options but the same layout.
A fish/ski with a 90hp-150hp would be ideal for what you're looking for it sounds like. Anyhting over a 150hp motor is fun but not really practical on a fish/ski boat. Plus outboard motors are easier to maintain and winterize to me anyways
Inboards are usually 4 stroke car engines more or less. you can get a 2.0 4 cyl or you can get a blown 454 V8. The inboard motor is as complicated as the make of the motor. Some are very easy to work on and fairly cheap where others are outrageous just like cars. The most expensive difference is the outdrive on an inboard, this can be very costly when it goes out on certain makes.
An outboard is available either in a 2-stroke or a 4-stroke. I'm not sure of maintenance costs on a 4-stroke but a 2 is fairly cheap if you can do the work yourself. Outboards are easier to work on obvisouly since the drive system and powerhead are outside the boat.
Also, cosmetically, I don't care if it's all perfect and fancy... I would have no problem replacing carpet, maybe some flooring if necessary, wiring, etc... I'd rather not start replacing all the seats and stuff, but I'm willing to do some work. However, I'd rather that the motor works good from the start.
What about dealers? Do marine dealers deal only in new boats or do they sell used as well? I was thinking that, since it would be my first, maybe there would be a little more sense of security on quality/reliability from a dealer. I don't mind paying a smidge more for that assurance, as long as it's warranted.