Vote for bimini
First of all, it depends on how and where you sail. In my case, in the Long Island area, my prior boat had a dodger and no bimini. We sailed that way for three years. When I got the new boat, the budget left me in the same bind as you -- and I opted for the bimini. After a full season, I do not regret the choice at all. The bimini is useful almost all of the time, and by giving shade and shelter in the cockpit, we find the sailing far more pleasant. The skin cancer issue is not trivial, and we have a friend who has had melanoma, does not go out in the direct sun almost at all, and never sailed with us until we got the bimini. We just find it a tremendous plus. On the other hand, we rarely needed the dodger when we had it, though I thought it was great looking. When its so unpleasant that someone needs shelter, they usually go below. Your boat's sailing characteristics and your sailing habits will dictate how often the dodger is functional, but I rarely get splashed in the cockpit, even if fairly rough weather. I also found the dodger sometimes got in the way, especially when folded down, and although i could see over it well, at 6'4", the admiral could not steer the boat when the dodger was up. That being said, your boom height may also be an issue. If you are as tall as I am, the bimini needs to be so high it can rub on the boom. Bottom line is I will probably get a dodger this season or next, but don't regret going with the bimini first. Your mileage may vary.