It sounds like you've boxed your self in pretty tight due to the tow vehicle. If you're wanting to get a boat that will do everything you want, and not just settle, I would suggest stepping up the tow vehicle first. I know it's a big deal, but it sounds like you're serious about fishing and getting the family out in a safe, fun boat, so an investment in a vehicle that will tow "The right" boat is something you should consider first. Been where you are and found I spent more money in the long run.