Most everything in my '90 is 24-volt; I actually installed a 24/12 converter in order to handle adding 12-volt stuff as needed...so, there's your answer, on all fronts. That being said:
- You can use a 12-volt stereo with no serious work at all, you just have to pull 12 volts from one of your batteries...but this is a very bad idea, because you'll end up prematurely killing the battery from which you pull the 12-volt drop. Previous owner of my rig did that; I ripped all of that system out, and then still had to replace the batteries.
- You may have a voltage converter behind your glove compartment; pull the insert out and see what you find. I'm not sure of what amperage they handle (I was actually going to check and see if I have one, later today) but it might be enough to power a head unit. I'm honestly not sure if that's what they were originally for; I should probably check the chassis diagram and find out.
- 24-volt head units aren't impossible to find; you can come across working OEM stuff here and there, and there are some acceptable aftermarket units as well. If you install or find a 24/12 converter, all bets are off; run whatever you like.
- Accessories on a JDM 73-series with a 24-volt bus are 24-volts, for sure; every little bulb and switch light are all set up to use that voltage. Pull out your meter and test, if you have any questions about what voltage something is using...but it's gonna be 24-29 volts, basically everywhere.
Hope that helps...and - again - when in doubt: pull out the meter.