I've done some more looking and I think I will pull the trigger on the Garmin 140.
It has surface temp, dual beam, 45 or 15 degree, (not side scan).
Gets good reviews, except for the trolling motor transducer mount (cable tie it under the trolling motor).
The 140 also gets decent marks for shallow water capability.
I looked at some lowrance's and found out why they weren't on my radar, cheapest unit was $200 and the next cheapest was $350.
Any more comments are welcome, as I don't plan on ordering this for a few more days. I was fairly well decided before today and after more research I think the Garmin 140 will be the winner.
I really want to see what the bottom looks like at the Sportsman club, it's deep and drops off quick (over 6'-8' deep less than 10' from shore almost every where.