While I don't a suggestion for ya on what to get, I will point out the fact that it would be hard to get one combo that will work for both boat and surf, let alone fluke and stripers. Different techniques for boat and surf. And within each of those, different techniques for fluke and stripers. You might might want to look at spending part of what you have saved on something that will work for what you will do the most of. Then save a little more and get another combo for your second target. Sooner or later you'll have a garage full of stuff.
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