We'd like to rent a boat in a couple days. Having seen the bay (darker murky water) and the channel to the ocean (clearer blue water) we are trying to determine if worth paying extra for a boat that we can take out into the ocean as opposed to the bay-only pontoons. Have read numerous reviews and posts but haven't located anything spelling out the difference between the boat in the bay only and the ocean. Would like to swim some from the boat, and don't need to go out far into the ocean by any means. Just would prefer nicer water/beaches to access from the boat. Do people swim and access beaches in the bay? Any advice?