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What's the ramp like - gravel, cement, grooved cement, slimy, steep, etc? Since you're talking about a lake, I assume you wouldn't have to worry about launching or retrieving at low tide, which can change the ramp characteristics considerably.
Personally, I would tend to favor the truck as they are meant for towing and they ride higher so you don't have to worry about scraping the hitch, putting the exhaust, axles, etc underwater when launching and retrieving. Plus, I always like the option of having a 4 low range available. If you have a lighter boat and trailer and don't tow often, these things may not matter.
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