Buy what you can afford.
Just try fishing from a kayak a few times. You might think it sucks after you've Lost your fishing gear, get skunked a few times, be in situations that you wondered, "why am I doing this again?" You might even catch a fish or two but still may not dig it.
BUT....
You may find yourself thinking about fishing all the time after kayak fishing. You'll start selling old hobby equipment you don't use to upgrade your fishing gear. You'll learn kayaks can hold a lot of stuff and will need to find extra money for bait tanks, fish finders, gaffs, safety gear, etc.
I hope you don't like kayak fishing too much, cause you'll spend a lot of time and money if you do. Buy what you can afford and start saving your money now.
