My first thought for a cruiser would have been a dinghy. Handy for lots more. The Kayak isn't a bad thought, I know some people that use them for fishing. The sit on top would make my bones acke, so not for me.
The nice thing about an inflatable kayak for your purpose is it's easy to use, and can get in tight spaces with little effort. Ultimately, I'd probably do that.
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