As to the question of what type of tender, that will depend on how much room you have and how you will stow it on deck, in davits, or below deck (on crossings), and what type of cruising you do. We have opted for a roll-up inflatable with aluminium floorboards to give us stability when we stand up in the dink. we also have a 10' Trinka, which is a joy to row or sail.
Regarding having an outboard, if you cruise for any length of time you will most certainly want one. Your daily trip ashore will soon become tiresome if you always have to row no matter what the weather is like. Also: anchorages are often quite a distance from shore access.
what is rowboat?