Friendly advice: get out of stinky Frisco as soon as possible.

Try driving south on Hwy 1 (not 101). As soon as you get past Pacifica, you should enjoy one of the most beautiful highways in the world. I suggest not stopping much until you get to the Monterey Bay. Check out Carmel, Pacific Grove and Monterey, and the 17 Mile drive. Morro Bay can be fun too.

By the time you get to Santa Barbara (a rather snotty, over-rated place) you should have temps in the low eightys and be able to enjoy the Motel pools or the beach. SF area ocean (water) temps run around 55-57F all year do to the current coming up from the ocean floor. South of Santa Barbara, you should find semi-tropical ocean temps of 70 F or higher.