Since you mentioned cold lake - I'd say a deep V is your best choice for a lake that large. The bigger the boat and the deeper the V the better generally speaking.
Might be a good idea to look for a good sized used boat if your budget doesn't get you to where you want to be.
A Jon boat would be dangerous on Cold lake anywhere outside of the bays or any chop. I would suggest that's the last type of boat you should look at for cold lake. These are calm water pond boats. One wave over the tiny little side of that boat, and with no flotation that boat goes down in less than a second and is on it's way to the bottom of the lake.
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