I'm not familiar with the market you're in, so I wouldn't be a good person to suggest suitable words without doing some research.
The Google keyword tool is quite good, but it isn't as good as
www.wordtracker.com which is what most professional SEO people use, and
www.keyworddiscovery.com/ which is also very good. Both these sites are commercial, but they offer free trials which should be enough for you to find the best keywords to use. You'll be surprised what words these sites can turn up that you hadn't considered before.
If "accessories" turns out to be a killer keyword, then it might be worth using it if you believe the extra search engine traffic gained from having it in the URL outweighs the disadvantage of it's vulnerability to human error. If not, you can always put it in the <title> tags of each page, which also carry a lot of SEO weight.