I agree that a used boat is your best bet, and this is particularly true when you don’t yet know what set of features will make a particular model your favorite for most of the paddling you do. Still, regarding your question on the Novacraft Prospector 16, my own thoughts range from good to "so-so. I have that boat, in “Tuff Stuff”.
I truly love the maneuverability, which is far better than other general-purpose tandem canoes I’ve paddled. That might sound great, but for primarily lake paddling you probably don’t need a canoe that will change heading by 45 degrees in the space of one easy stroke, seemingly because the boat is reading the stern paddler’s mind. Such a boat requires constant attention to stay on course, and for that not to feel a little demanding (perhaps very demanding) may take a good bit of practice. I really enjoy the feeling of a boat that handles that way, but many people would not, especially when still fairly new at paddling.
This boat also has higher sides and ends than most general-purpose tandem canoes, and that does make it significantly more of a handful in windy conditions. On the other hand, the secure feeling this boat’s rounded bottom gives you in choppy waves is nice, so you can take your pick, but truly, the issue with waves doesn’t really become all that important until conditions are quite rough - likely rougher than what most people will commonly be out paddling in. One other issue I have with the higher sides, is that as a stern paddler who has a not-particularly-rugged upper body, I reinforce the corrective phase of my J-stroke by resting the heel of my hand on the top of the gunwale, but in this boat, the gunwale is higher than the most comfortable position on the paddle shaft for my lower hand. Because of that, my power output and efficiency are generally worse in this canoe than in one having sidewalls a couple inches lower.
If those comments make it seem like the Prospector isn’t the greatest choice for you, then the Novacraft Pal might suit your needs better. The Prospector is billed as a do-it-all canoe, but some of what it does well requires it to be a little bit specialized in ways that make it less suited to some aspects of “average paddling.”