Steering cables have a limited life due to the moisture in a boat. It is just a matter of time. A healthy cable will turn with one finger. By a "kit" they are talking about the entire cable set up which includes a "head end" that attaches to the steering wheel (it is a long rectangular piece on my old prostar). Do a search and you will find some great advice on how to do the change out easily. You will be amazed you lived with it as long as you have. BTW - it is way too late for grease, your cable is toast.
You can make sure it is your cable by disconnecting both ends and making sure the rudder is in good shape (turns freely) as well as your streering console.
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