I've been in your spot. Used to have a 21' Fishrite that was my baby. Family obligations dictated that went away, but I was able to afford a 19' Bayliner (97) for $5,000. Has a 4 cylinder, but fishes fine and is reliable. Mounted an electric trolling motor on the front, downriggers on the back, and I can fish most places from Tahoe to the Bay safely. Not the fishing machine the old one was, but a reasonably affordable option, and the kids love tubing, skiing etc. There are quite a few around in that price range. Not for everybody, but more comfy than a 14' tinny with 15hp.

Oh, and if JJB's a boat broker I'll pay a 10% finders fee for Seon's Ducky if you can convince him to sell it to me for that price....