You are ONLY going to go out of Santa Cruz? Never South Monterey Bay nor San Fran? I boat all over the Northern California coast, as touring around is half the fun of owning a portable boat. In fact I prefer the Sonoma/Mendocino Coasts for their remoteness. I can not imagine not having GPS around Monterey Bay as the fog sets in pretty thick there too. Been there...done that! Came back by GPS as the fog had settled low during our 40 minute dive. We Could see far enough to avoid other boats...but where is the launch ramp again?
Since you are also planning on boating mostly in the Pacific Ocean, I would strongly recommend a fix mount VHF with a tall antenna for yours and others communication. The DSC will tie into your GPS too so you can send and receive DSC calls, that will show you someone in distresses location. Many folks mount the antennas on the side of the console.
The bow doesn't leave much room open. Get the boat, your console installed, motor and all steering installed, then figure it out. You might be able to mount your tackle box somewhere up front. Or at least your safety kit/tool box. Where does the fuel tank go? Getting it out on the water will be telling and it will take more than a few trips to figure it all out.
FWIW no matter what the shop tells you, get at least 14-15ft of decent sized chain, and 300ft of 3 strand line for the anchor. You can choose the type of anchor but it should be a Danforth style, or a Bruce as they tend to hold the best on our coastal bottoms. If they even mention folding anchors...*sigh*
Hopefully you will come out to the San Fran Bay at least once as I would like to see your new toy in person