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I don't think you can get a decent pontoon boat for $ 300 to $ 400 myself.
Funny, my Creek Company ODC 816 catamaran seems pretty good to me :). About $325 at Cabelas. I haven't had a problem with the cat yet and have had it for a number of seasons now. It sits in storage partially assembled but deflated until I get ready to use it but its portable enough to put in a car trunk when fully disassembled. I did add a PVC rod holder, PVC sonar unit holster, and an anchor system (I would not use the anchor in fast moving water though) for it. I have flippers and carry them but rarely use them now on the slow waters I fish since I have the anchor. I have a little ice cooler strapped on the cargo deck also. Snap pins and the high capacity pump make set-up and take-down easy and quick (about 10 or 15 minutes for me). I have the older model that I like better since it has the padded seat rather than the new plastic one.