For anyone who is interested I just received this reply from the FWC

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Thank you for contacting the Florida Fish and Wildlife Conservation Commission (FWC). It is legal to use an inflatable boat to fish out of on Lake Toho. I contacted the biologist in Kissimmee about using an inflatable boat and they said although it wasn't illegal to use it would be unsafe, in his opinion, to use on this lake. Lake Toho is known for wind and rain storms coming up real quick with no warning and getting really rough. If you would be interested in renting a boat I am enclosing a phone number for East Lake Fish Camp: 407-348-2040. The boats can be rented by the day or half a day. If you have any further questions please call our regional office: 352-732-1225.
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So I'm thinking, stay close to shore if conditions are anything but perfect, wear a life jacket and use common sense. The info on East Lake Fish Camp was welcome and I've had a look at the site. Not as cheap as using the inflatable but a better option if the weather is questionable.