Re: i/o archilles heels
Coupla other random thoughts.
If you boat at the extremes of the season (assuming you live where there
are seasons

) an outboard is far less hassle. As soon as you turn the engine off, all the water drains into the lake. With an inboard or i/o one night's cold snap means you can destroy your engine if you didn't prepare for it. I know, I know, all you have to do is lower yourself headfirst into the engine compartment, do some crunches, fish around with a box end wrench and take out a couple of plugs. It's a breeze..

With the outboard, come October I can still leave the boat in the water when the air temp dips below freezing. As long as the leg is sitting in water that's above zero, I'm good.
For dead-slow manoeuvrability around the slip, the inboard is going to be the least favourable...unless you have twins, of course. Not sure if there's a significant difference between i/o and outboard manoeuvrability.
It has been mentioned that I/Os run the quietest. I would have agreed until I sea trialled my Yamaha 90hp 4 stroke. It's damn quiet. Quiet enough to have a converstation in normal tones at near peak cruising speed and certainly no driveline whine that I can detect.
Depending on the hull profile and deadrise of your boat, I'd say an outboard setup will probably draw less draft than an I/O. Something to keep in mind if you need to travel at any speed through skinny water. On the Scout two years ago I stupidly blasted through a channel unkown to me. Imagine my surprise when I noticed I was cruising steadily at just 2 feet indicated on the depth gauge at near WOT.

I'd have been digging a pretty good trench had I been in the SeaRay that day...
On a related note, One thing I absolutely love about the Yammy is the tilt switch located on the side of the cowl. Much easier when servicing, trailering, dealing with beach launching etc. than running back and forth to the helm like I did with my old I/O. Now, I have seen some people install such switches at the stern of their I/O, so that certainly isn't a make or break buying item.
One thing I'm
not looking forward to is keeping those four carbs on the Yamaha tuned to spec. As far as carb servicing went it didn't get any easier that single, stupid-simple carb on my Merc 3.0 I/O.
Fuel consumption is about a wash for me in terms of comparing the 4 stroke outboard on a 1500 pound boat and the SeaRay's 3.0 in a 2000 pound boat. Both are pretty good, considering "good" is terrible by automotive standards...
Edit - just saw your note above about dependability. I don't think an engine gets any more rock solid than an inboard or I/O block. Simple, proven, been around for ages. Certainly much simpler than my twin cam, multi-carb outboard. However, with an I/O especially, you've got all that driveline gear which isn't nearly so bulletproof. There are several key seals that must be serviced regularly -- and they are a pain to service..or you are at risk of sinking. Gear packs can eat themselves if your shifter isn't maintained within spec. The hydraulics are more complicated. This list goes on. Not that all this stuff can't be made to last decades -- it just takes far more care and attention than a car. Everything about all boats tends to fall into that category.
The other boating sayings I like are: " A motor boat is propelled via the steady combustion of money." And "Sailboats travel forward under the pressure of a steadily accumulating debt.."