Are you set on getting a hard boat? You mentioned you would still float with Joe D. so you might be willing to compromise for your personal boat for a good price.
This is cheap for a personal craft. I think the Hyundai should make it to New Paltz.
Pontoon raft
You may want to think out of the box a little. I think they use Zodiac's with fishing frames in Alaska. This one is in NJ. It's big enough for two. At this price you should be able to get a fishing frame (or make one) and still be under budget. Some of these come with aluminum or wood floors so you can stand. You could also throw a 5 horse on it and fly around your favorite stillwater haunts.
Maxxon raft
Don't forget to calculate a finders fee into your budget for all the time I'm wasting on Craigslist... on the other hand the thought of you floating through a placid West Branch pool in front of CDun with your scrapyard boat may be payment enough.