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Can't speak to the 198 specifically, however, you may want to wait for the new 298 or 498 which are coming out in March. I imagine the 198 prices will drop even further.
I have a 238 B&W combo unit and it has been flawless for 2 seasons. In the first season the transducer broke right off the boat while making a crossing from MV to Falmouth and Garmin sent me out a new one no questions asked. (There was a known bad batch of Airmar P66 transducer brackets.)
The down side to the combo units is the screen can get rather busy when you are running in a split view and of course, if one function breaks you are out of luck with the other function while the unit is being fixed.
I have limited real estate on my console, however, so the single big screen 238 was a good selection for me. I have the Garmin BlueChart chips for "South Maine" and "Cape Cod" which gives me coverage from Penobscot Bay to New London.
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