Salut Obelix:
Carmel Bay Beach Dives
1. Point Lobos
2. Monastery Beach
Monterey Bay Beach Dives
1. Coral Street
2. Metridium Fields <----same beach as the Breakwater (San Carlos Beach)
3. Breakwater <--this is where most of us got certified but it's full of live and is a really interesting/under rated dive.
If you go on a boat, you may hire a dive master. My dive buddy has been in Colorado/Florida for eons now. Booked a charter on the Silver Prince and had to hire a dive master as most, if not all, do not allow solo diving. Had a great time and it was very relaxing diving with someone who knew the dive spots, as I rarely dive from any of the boats. You should only dive at Monastery Beach or Coral Street in calm conditions, especially if you do not know how to manage surf entries/exits.
Bonne Journee,
Idefix