I have a Navigator & Explorer, and both are exceptional fishing yaks. In fact, the reason I bought mine was because I wanted a platform versatile enough to fish past the breakers as well as in the bays. I'm 6ft / 200 lbs, and both yaks are very stable...I haven't turtled either one...including in the surf.
In terms of tracking, both due well in winds less than 15 mph. Anything over that, and the high profile of the yaks can cause problems...but then again, any kayak would have problems in winds that high. I don't think a rudder option is available for the Navigator, but I'm sure you could rig one on there if you needed to.
If you like the Cobra line, and you're planning on fishing the bay systems
around Lake Jackson, you might want to wait until the Cobra Mariner hits the market, or contact Parrothead about a test drive of his. Here's a link to his review of the Mariner:
http://www.texaskayakfisherman.com/foru ... hp?t=35431
In a month or so, I might be looking to sell both the Navigator & Explorer, and buying the new Mariner...I just need to test drive it first!
I'd like to make a trip down to the water this weekend, so if you're free and want to test drive my Navigator or Explorer @ Surfside, let me know and you can meet me there.