If you don't have the cash I would recommend you wait until you have enough to buy someone else's used yak. For $125 more there is a good chance you will find a used yak with all the bells and whistles.
When I was shopping around for a first yak everything looked like a good deal to me. It wasn't until I started researching what the additional cost would be on all the extras (bait tank, ff, rod holders..e.tc) that I realized that it would make more sense to get into the game with a used yak and go from there. I've been yak fishing for a little more than a year now and I still find myself tweaking this, replacing that, moving this and moving that. Hell, if you don't have the cash and only have a credit card see if you can find someone that will allow you to pay via PayPal.
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