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I'll throw in my .2c for what it's worth. You have a really good budget to work with. Guys at OEX hooked me up over two years ago with a basically brand new x-factor that was a blem. It would take you 10 mins to find the spot where the blemish was. With that being said I would hightly advise thinking about your method of transportation, where you see your self fishing, where you actually end up fishing, fish you are targeting etc.
if you are focusing on la jolla and the occasional San Diego bay trip I would look at stealth 14 or a similar yak. Definetly do a test paddle. I love my factor but it's a beast to paddle, on the other hand it's so stable and the one time you need that you'll be stoked.
If I had to do it all over again test paddling and waiting for the right deal to pop up on this forum or Craigslist is the way to go. I've seen deals as low as $800.00 for fully rigged paddle and go amazing yaks. Don't buy on impulse, do your homework.
Stay in touch and look forward to fishing with you soon!
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