I'm with homefry for the same reasons. If you plan on taking up kayaking as an active hobby and want to progress, then stick with the playboat. All people living on the Front Range really should -not- consider themselves playboaters (unless they're into driving far away) because we don't have good features (maybe Pueblo is an exception). However, everybody should own a playboat and go playboating sometimes.
If you just want to get on a river every once in a while to enjoy the fresh air, then by all means get the most forgiving boat you can find (duckie). If you're freaked out on the water to the point of not having fun, then maybe buying something more forgiving might make sense, though I would probably argue that you should just boat easier water. When you're running class III/IV in your playboat with aplomb, go buy a creekboat.