I've been to both Cabo and Belize, but only fished in Belize very briefly on a self-guided basis from shore, and for an extended period with a private charter.
Belize: from what I could tell, most of the good fishing requires guides or charters, since you'll want good access to mangrove flats and what not if you want to pursue the triple slam of bonefish, tarpon, and permit. I did some reef fishing off the charter and it wasn't super interesting. From shore I was able to fish from some docks, but those are usually reserved for hotel/resort guests and the species were about the same as those found in reef areas. I was able to kayak fish a bit in the area between shore and the barrier reef, but did not have much luck.
I'd suggest short fishing in Cabo, even though I've never tried it. I've certainly heard of and seen videos of some giant roosters getting landed from shores somewhere in Baja California.
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