My business is in Concord which is basically in San Francisco. However, I think the water is going to be too cold for my wet suit collection. I do have a 7mil, but I sure don't like diving it as it's pretty tight and pain to get in and out of. I dive a 5mil with no hood at Aquarena at 70 degrees and that's perfect for me. Sounds like I need a dry suit or it's a no-go.
I have dove Monterey four times as an
accidental tourist. I had business in Palo Alto and would come in early to SJC, drive down to Monterey and spend the night then dive the next morning and be easily in Palo Alto by dinnertime.
I am particular about my dive gear and am able to get everything into a large Oceanic wheeled bag. You must have a 7 mm suit along with hood, boots and gloves. I recommend that you just rent them. I can vouch for Aquarius Dive Shop on Del Monte. They are full service, have on-site parking and a large area where you can rinse your gear off after the dive.
If you are dry suit certified you can rent one, but I have never heard of anyone being happy with that. I dove a rented 7 mm and was fine.
I dove the Cypress Sea (now decommissioned, but a great boat), the Sanctuary and the Silver Prince. One of my four dives was a surf dive off Lover's Beach. It was a great dive but I will never do it again--just too old for humping equipment long distances, YMMV. If you want to do surf Aquarius will hook you up with a guide.
The Silver Prince is a good boat, but for the ultimate do the Sanctuary. The Prince is your usual cattle-car dive boat while the Sanctuary is like a private charter.
Once you dive Monterey you will understand the allure :goingdown: