A lot of good responses. No two will ever be the same as it comes down to personal preference. My son bought a cheepo from WalMart and it was just that - cheap. He has already snapped around three oars to my recollection.
Mine is a Bucks Bags Southfork pontoon and I love it. The Southfork is a bit pricey in my mind, but it has a stainless-steel frame.
My son's friend bought the setup offered by Costco and, for the money, appears to be a pretty good setup.
For stillwater the choices are as varied as your wallet. Now, it you are going to be running rivers - not whitewater mind you, but rivers such as the S.Fork Boise, South Fork Snake, Henry's Fork, etc. make sure to get something with at least 9-foot toons and a good quality oar.
When I fish my favorite stillwater I like to use both fins and oars. The oars let me pull across the pond to where I like to fish, and the fins keep me in the action.
As far as an anchor is concerned, I make sure to have one on stillwaters because if I find a great spot I can anchor up and concentrate on the fishing and not worry about finning around. Some lakes are just too deep, but if it is a windy day an anchor is critical.
I prefer Force Fins brand fins, but they are way too pricey new. I found my two pairs at thrift shops for $3 and $7 a pair - a lot better than the $190 new. Caddis makes a c=great fin that you can step into with your boots and they lace up for around $35.
I have a rod holder, but only one. I have ample pockets on both toons for lunch, drinks and gear. I also put a swivel under my seat.
The Costco model:
WalMart (left), Costco (right):
Buck's Bags Southfork:
Just my two-cents, hope it helps.