As I understand it for ECNL, and I imagine GA is similar, it's not that you get a second team, it's that a club has to set up a separate program with a separate agreement for which all the same obligations must be met. This looks to be what Lonestar has done (see also Slammers/Koge, FC Stars, PDA, SLSG, FC Dallas, etc in ECNL).
As for Surf, tournament money is irrelevant. I don't think they can find enough qualified coaches (let alone players) for the girls' side to put together a full second program that would be competitive.
That being said, given where the numbers are for the boys' side are right now, it wouldn't shock me to see them try it there in the next few years.
As much as any club might try to spin it, unless there is a geography component to how the programs are broken up, there will never be two "top" teams at a club. They may play at/in the same level/flight/league, but the better talent will always be loaded on to one roster over others. See your TopHat example: Tophat Gold at every age group out performs TopHat Navy and I don't think there's an age group where Navy is ever above the middle of the table. Same thing with Slammers, they play in different divisions to make it less obvious(Mojave/Sonoran), but Koge is ranked higher on SR at just about every age group.