Well if your gunning divers then profile isn't a huge deal. However the lower and harder to see the layout is the more chances you will have at birds.
You have to look at a couple of things: one being how will you get the boat to your lake? Can you easily pull it on board with you in the tender? How sea worthy etc.
I've never built one and or don't have the skills needed. However I do layout hunt A LOT. I looked at it as a long term purchase that will last me 10 or more years. I factored in safety as well as productivity. I bought a used UFO great big water boat, from the sounds of what you hunting both the banks and UFO will be to big for your waters (they will work and you will be safe but they at not be the best choice).
Low profile is key for both puddle ducks and divers (however that doesn't mean that you have to fit in a 8' long layout to be wildly successful on puddle ducks. Pretty common theory around my area). Keep that in the back of your mind when your doing this. You can always stand up a tall spray shield if it's getting rough. I'd check out some different companies, go to trade shows in your area and sit in a few. Figure out what you like and go from there. If money is tight there are some great deals to be had for like new layout boats for 1000 or less.
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The only thing worse than being blind is having sight with no vision- Helen Keller