I've been diving for seven years, and have concluded I like the Pacific Coast the best of all the diving in the world, and there are STILL days when I wonder if it's worth it
I can give you a couple of tips -- First, ditch the aluminum tanks. You are carrying six pounds of lead more than you would need with steel tanks, in order to sink those puppies. Six pounds is a lot.
Second, see if you can borrow a backplate setup from somebody. Put that six pounds on your back, and you've now cut the total lead you have to put in a belt or pockets by 12 pounds.
Third, make a date with one of the active Monterey divers to dive at Lobos. It's much more protected from surf and surge, and Lobos is one of the most beautiful places to dive ANYWHERE, with absolutely tons of life and fabulous structure. If all I ever got to dive was the Breakwater, I'd start wondering if cold water diving was worth it, too . . .
Cold water diving is more work than warm, in general. We all have to admit that. But you do get used to it, and I have to say that, when you own your own equipment, it does make it both easier and kind of cheaper (because you aren't totting up all the rental costs for a day of diving). You know your own gear, you know it fits and is adjusted properly for you, and you decrease the frustration level. There's always some frustration in gearing up for cold water diving, because, well, it's frustrating! You're pulling on inches of insulation and packing yourself into a dry suit and hoisting pounds upon pounds of gear; you're either freezing your patootie off in the rain or roasting in the sun (and, btw, if you're gearing up on a warm day, put your dry suit on and go jump in the water and get wet, and then come back and finish getting into the rest of your stuff -- you'll stay cooler).
It's worth persevering, for two reasons: One, you have some of the world's best diving at your doorstep, and two, you will never be as facile, relaxed, and efficient a diver if you can only do it on vacation.