My parents picked up a Total Gym from some generous neighbors, and I tried it a few times. It is not a bad machine compared to the garbage that comprises >99% of the exercise equipment advertised on TV, but it is grossly insufficient for anything beyond a rank beginner. Aside from the fact that you are limited by your own body weight as far as resistance is concerned (at least on our model), there is no way to work your lower body effectively. Add to that the fact that almost all of the exercises are performed with your entire core and the bulk of your posterior chain fixed in position, and you also have very little carry-over to day-to-day movements. Not something anyone would want, much less someone looking to benefit their athletic performance. In other words, what you do on the Total Gym will have next to zero applicability to surfing- or walking up and down the stairs for that matter.
Either deal with the commercial gym by visiting at off-peak hours, or if you have the space, invest in a power cage, adjustable bench, and a set of olympic weights. That should be good for the majority of your needs. Spend the rest of your resources on finding someone knowledgeable to show you the proper form for the major compound movements; the latter will probably prove to be somewhat of a challenge.
BTW- a personal peeve of mine: there is no such thing as "toning." Tone is a function of the nervous system. What most people refer to when they say "tone" is the appearance that results from a combination of well-developed muscle + low subcutaneous body fat. When it comes to resistance training, you always want to shoot for maximum development/growth. Trust me when I say that you will NOT get excessively bulky. Ask anyone who has trained for any period of time whether excess growth of skeletal muscle has ever been a problem.