i know it's a dead beaten horse, but you could always go for a entry level strat if you're not sure what you want. a strat will basically never let you down and cover most bases. personally i'd say for surf stuff you might want to check a jaguar/jazzmaster, but the bridge is iffy and you might need to replace it. i'm biased towards thosed but the vintage ones can be super heavy, also vintage thretboard angle might be uncomfortable if you play chord heavy. squier is a good budget option imo, also because you will always be able to get rid of them for a little change if they still work and look good and they can be a base to mod your first guitar.
for surf rock you need some sort of spring reverb effect for sure, even digital ones as pedals are pretty pricey. consider this when you choose an amp. you might want to look for one that has a fx loop or some sort of reverb and/or delay on board after amp boosts your signal.
i'd recommend getting either a squier strat or mustang and i.e. a blackstar id core beam modeling amp. good practice amp with lots of functions, might be useful even if you are not playing, it has okay sound, certainly alright for the start and comes with tons of modeling feats including reverb. if you keep playing a lot and have fun, you'll move up the gear chain naturally.