I wouldn't discount your idea about the outboard, especially if money
is an issue, and for me, it's always an issue. Your plans for your new boat are part of the equation as well. Are you sailing in and out of a marina, or going around the world?
The problem with outboards is that the prop will come out of the water
in any kind of swell or chop. You will also need to be able to reach it from the cockpit
. It would certainly serve you getting in and out of marina, for a small fraction of what it will cost for an inboard.