Hey guys, long time lurker watching the antics of you guys regarding secret spots, sharks and the occasional longboarder/ SUP floating by looking for 'fun'

. Have been surfing for a year and am now pumping and getting my turns and cut backs in (beginner intermediate I guess with a body boarding background for years).
So here come my questions if anyone can help I will be greatly thankful!
1) I hear the waters around Bali are dirty around when I am going (December) due to the monsoon season. Is it going to be dangerous as I wear contacts? (Don't want to go home blind).
2) As I am low on funds, will 1 board get me through? My aim is to go with one and if it snaps etc, buy them second hand over there and most likely give them to the kids when I head back home.
3) As the reefs are living coral I hear, is it best I bring a decent first aid kit in case I go over the falls and get thrown against the rocks?
4) Speaking of funds, how much would I need for around a months stay? This is purely a surf trip (no shopping etc although possible sightseeing) with the chance on hiring a chartered boat for a week or so to head off surfing elsewhere.
5) Any other tips will be greatly appreciated. This is basically my first surf trip so I don't want to end up in the deep end with nothing I prepared for!
Cheers all! Will remember everything you guys say here when I paddle out!