This is my tender for inland waters on an 28 Adams:

It works perfectly, tested in up to 35 knot winds tied on and it keeps me fit. Carry fuel jerries, batteries, supplies on it, no worries. High winds no problem, it slices the waves like a knife.
Ocean passages with a deflated inflatable down below.
Could not carry anything on the deck because the cutter rig takes the space.
I would not tow anything behind my yacht, not even for a short trip.

Btw, l am looking for a 2 to 3 hp motor for the inflatable! Any offers?