Inflatable pleasure craft around the island feasible?

Hey all! Wondering if any of you have experience with this. I have to brush up on my pcoc course. But I would love to get on the water somehow on an admittedly tight budget. Are there any known routes and places one shouldn't be caught on a boat? I'm thinking like a 4 person inflatable with a small electric outboard motor. Is this even doable/legal/safe? Apologies if not in the right sub. Im always watching the boats at the waterfront longingly and wondering if this is even feasible for me