Or, if the sea is calm try the beach by Monterey Bay Kayaks and get directions to the sailboat. It's marked with a buoy so it's easy to find.
I've done one day of diving at "Del Monte Beach" and I loved it. It's a bit like a desert -- lots of sand -- but with many an oasis of eel grass full of interesting critters. I saw a huge sunflower star, for instance, and innumerable tiny spanish shawls. I may have been lucky to have good visibility; I don't really know what's normal there. We probably swam as much as a minute or two between patches of grass, but there are things to see in the sand if you keep your eyes open. (It was in the sand that I saw the largest nudibranch I'd ever seen.)
Depth ranges from 20' to about 40'. I think you'd have to swim a mile to get deeper. (You might have to swim a mile to get to 40'.) This is very much a beginner shore dive. Waves were less than two feet, if I recall correctly. (But more powerful near the wharf.) I had never dove there before, and my buddy (for the day) was less experienced than I was. (Our "guide" called in sick but suggested we go without him.)
Some of the downside: long swims, no showers, limited parking (get there early). Could be boring if you don't have an open mind the the possibilities.
As part of our first dive, we swam to the tender straight out from the kayak shop, dropped to the bottom. We then meandered along the bottom to the wharf, checking out the eel grass patches along the way. Once at the wharf, we headed back to shore, examining the outer edge of the piers as we went. The eel grass was great, but I don't think the wharf is a good place for unguided beginners (unless you understand the risks).
For our second dive, we kicked out past the tender to a buoy that I think was marking a boat channel or the edge of the boat moorings. We dropped to about 28' and went searching for the sunken aqua-track. Eventually we found it, then went searching for the shale beds. We never saw the sunken sailboat. We found big fish around the aqua-track, interesting critters in the cracks of the shale and more interesting critters along the way. We were thrilled that we actually found the aqua-track.
Overall it was a great day of diving for a pair of divers with fewer then thirty dives between them. One of these days I plan to take my regular buddy (our sick "guide") there and show him all that we found. (As it turned out, I pulled out a couple of cans of Bud for him.
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