Loco - no issues with the JP boats. In fact I have thought long and hard over what I have read here and other forums and decided that i really like the JP 'Patrol' series.
I have had a closer look at 14ft boats and appreciate they are a step up in size from the 12ft'ers. I think they will be too big for me.
So I think I am going to go with your suggestion 3.8 patrol + 18 hp Tohatsu.
You are so right about not going cheap - I can't afford to have too many problems as support will be almost non-existent on SVG. What is it they say - "buy cheap, pay twice" ?
Re my budget - I am a Procurement Consultant by trade, so, even though I have a budget, my instincts are not to spend it all and get the best value for my buck that I can. Anyway, I need some money left over for some accessories and a trailer.
To all who took the time to contribute - thank you so much. I know I would not have reached this decision by myself.