Yep, you need a full exposure suit including gloves, hood and booties. 7mm wet suit is preferred. You will need a BCD suitable for cold water.
The breakwater, mentioned above, is a convenient dive spot with lots of divers. It's not great site seeing, but it is an easy dive and a great way to get acclimated. So,
Day 1, Dive 1 A dive at the breakwater.
Dive 2 The metridium fields (same parking location, different dive site)
Day 2 Dive 1 Butterfly house: One of the best shore dives best done early in the morning. features a kelp forest and a really nice boulder reef.
Dive 2 N. Monasterey: Great kelp forest, deep underwater wall dive.
Dive 3 S. Monasterey: Not as deep kelp and wall dive.
Day 3. Dive 1, 2, and 3 Point Lobos Just excellent diving.
fun option: Nite dive the Santa Cruz Municipal wharf. Easy, shallow dive that is really spooky and has lots and lots of octopi.
There are lots a great boat dives and I can reccomend the Escapade. See if you can visit Dali's wall, which is a really fun sandstone underwater formation.
Give a PM if you need a buddy to show you around.
Remember to blow bubbles.