As I said, the wood doesn't rot on the factory done boats, but the vinyl doesn't hold up that long, the wood just gets very heavy. Storing inside helps, but we use our boats year round in all kinds of weather, so they get wet, and some people don't have that option, with wood under vinyl it never gets to dry out. Carpet is totally out of the question, you get laughed at for having it your boat here. These are guide boats and serious fisherman.
Yes Trackers are low end boats.
People that haven't used diamond plate always go to the default conclusion that it's too loud, cold, hot and heavy, and you forgot about the glare from reflected sunlight. If you've ever installed it or fished with it you wouldn't have the same opinion. I don't fish barefoot in the winter, so it being cold doesn't create a problem, although at 25* it can get ice on it. In the summer I've never had a problem with it being too warm, but I can see it possibly could, just hasn't happened to any of us. As for loud, I'm not sure where to go with that, these are aluminum boats, they tend to be louder than glass boats, having an aluminum floor doesn't make it louder. Some DP comes with a very shiny finish, it doesn't last long though, after a short time it turns a dull gray.
Aluminum is more money, I already said that, but I don't want to every do it again, or put up with the damage we inflict on vinyl and wood. The weight is less though, sometimes a great deal, especially if you figure in the wet wood.
The crack heads will steal your kicker motor, they aren't concerned about your flooring, and would have no idea it's held in place with Velcro.
These are the types of boats we fish from, the basic hulls start at $20,000+, then add in the options, motor, trailer, etc and it can quickly get to $60,000
The base models comes with vinyl floors, an upgrade to aluminum DP is and option, but the first pricing level is over wood, it's more if you leave the wood out. When we re-do these boats we the desired way is to leave out the plywood, but more bracing is needed to do that. The original vinyl will only last a few years before it starts to go downhill, but again, these boats are used hard.
I'm not saying you aren't satisfied with how yours is holding up, what I can say is that when used hard it doesn't last nearly as long as other options.
http://www.willieboats.com/fuzion/
http://www.alumaweldboats.com/Super-Vee-Pro-25.htm