Personally I would recommend a Revolution. Stability will improve as you kayak more and become more experienced, your speed won't.
As for year, personally I would try and find something 2009 or newer since that's when they started using the click and go peddle system. (the older models with the cam's aren't bad, they're just a little more of a pain).
As for the accessories, you don't need a ton of stuff to be successful at kayak fishing. With that said you could always buy a brand other than a hobie and use the money you save to get those accessories. If you do buy a Hobie, you're going to spend more. But IMO some of those add ons are totally worth it. The FF and turbo fins are a must if you're going to be fishing La Jolla. The rest of the stuff you can get as your get more into the sport. Welcome, its an expensive habit!
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