Just a point on the dinghy. At the Moorings the company owns the dinghies. They are in a pool and given out to each boat as needed. It's not a big deal to give you a second one. At most charter companies the dinghy belongs to the boat and is paid for by the owner of the boat. They are not supposed to be swapped around although I know it happens. The better companies should keep a spare or two on hand in case of problems but they might be reluctant to send it out as a extra.
G