For the time being, from shore 80-90% of the time.
There are different surf conditions at dive sites with direct exposure to Pacific wind and swell.
Shore sites on the bay side of the peninsula (around Hopkins Reef over to San Carlos) are protected from higher wave energy. These are nice places to get experience, see plenty of interesting things, and dial in your gear. My two enemies here are low viz and really cold water. There are times when I would like to spend three or four hours swimming around, but I just can't. It's too cold.
The ocean side of the peninsula gets the cold upwelling current head on. On a good day, the marine life is astounding.
A few of those sites have dangerous shore entries. These deserve more respect. Studying the conditions on the web and before you get in can save you some inconvenience or even injury. Taking a class that focuses on doing these well is a good use of your money and time, even if no additional card goes into your wallet. If you have played rugby or studied a martial art, you already have an appreciation for the problem.
On a peaceful day, to cross the thirty yards of the surf zone, you can simply drop to the bottom and try to crawl ashore. After going back and forth a few dozen times, you may have traveled a hundred zig-zaggy yards. To do this, you need to have the aerobic fitness to kick for five or ten minutes until you are free of the receding water. Do not try to start this stage tired.
On a day with a good breeze, you will need fitness, a tolerance for skidding impacts, and a turtle's indifference to abuse from behind. If you have ever seen a snowboarder faceplant at speed, you can imagine what it's like to be force-fed bottom samples. Toward the end, you will probably have surf breaking directly over you. These blows might relocate your gear. They will certainly spin your body around with enough force to keep you from controlling the position of your arms and legs. If your mask floods, you may not be able to clear it promptly. Getting free of this kind of water takes a concentrated effort, and may require several tries.
On a day with high surf, no exit is possible. Since the weather could change for the worse while you are below, you should have a plan covering how to call for rescue at the surface every time you dive one of these sites.