Fry,
I fish the BFL's as a co-angler. In the past 7 yrs, I have fished 13 divisions (I fish Bama and Bulldog every year), I have qualified for every regional, WON a regional and qualified for two All-Americans.
Disregard what ZIP said.
1) the easiest way to get in is to find a boater to register for the tournaments with. They have what they call "guaranteed boater/co-angler". If you register with a boater by the deadline, you are in the tournament. If you wait till after the deadline, you go on a waiting list and may not get in. Use the bass fishing forums to look for boaters or at the first tournament, tell the tournament director you are looking for a boater for the rest of the tournaments. He will make an announcement and help you find a boater.
2) Rods - I carry 5, sometimes 6. It all depends on where you are fishing, time of year and what your boater tells you that you will be fishing. When you draw your partner, don't be afraid to ask him how you will be fishing the next day. Find out technique and depth. EX: does he plan on flipping all day, will he fish deep (carolina rig, big crankbait, pig and jig), will he stop early and throw top water first then go deep. This will let you know how many rods you need, what size line on each and what type of baits you need to tie on. I always have a spinning rod with a shakeyhead on it.
3) Hard baits. I don't know where Zippy fishes, but I don't know of many guys that will willing give you a $14 crankbait to throw. Get a tacklebox that has 3 or 4 of the medium size plastic boxes in it. In one, put hooks (3/0,4/0, 5/0, drop shot hooks, flipping hooks) and weights. In another, put crankbaits (shallow to deep), If you are fishing shallow all day, you can always take out the deep ones and add shallow ones the night before. In another, have topwater and jerk baits. In the top of the box and pockets, carry your plastics. I also carry an extra reel. When you backlash one, it is easier to swap reels than to lose that rod or spend 30 minutes getting out the backlash.
4) GAS - It depends on how much your boater runs. If he drops the trolling motor and stays on it all day, I would give him $20, if you run a bunch, $40 is good. If my guys runs a ton and I catch fish, I have no problem with $50. I always feel good giving gas if my boater was a joy to fish with.
5) Snacks - bring your own. Most of the guys will have something but better to bring your own than to eat theirs. Bring a few waters and throw in the cooler and bring some snacks or a sandwich.
6) Lifevest - Most guys have an extra but it is expected that you have your own. I have run into a few that didn't have an extra in their boat. If you bring your own, let the boater know so he can remove his and give you extra room. In the BFL's, the compartment behind the passenger seat is supposed to be empty and storage for the co-angler.
7) Other stuff - If it looks like it will rain, bring your rainsuit. Figure out if your boater likes to talk or not. Some will talk your ears off and others want to concentrate on fishing and will only talk while idleing or running down the lake. Find out how your boater wants you to work the net. Some want to do it themelsves, some want you to put the net in the water and not move it so they can bring the fish to it and others want you to reach out and get the fish. Nothing worse than knocking a fish off the line with the net.
It sounds like a lot but the more you find out when you first meet your boater will make it a better day on the lake. Most boaters are great guys and if you have an questions, ask them. They will be glad to offer advice and help you out. You are not fishing against them, you are only fishing against the other co-anglers. Most of the boaters would love to see you win the co-angler side.
I hope this helps some. Good luck and hope to see you at one of the BFL's.