Let's look at this in terms of being near a city! Sydney , Newcastle and Wollongong are all cities on the NSW coast that have surf beach actually as suburbs of the cities. Most Australians cannot afford to live at Sydney's surf beaches, they are not cheap 4million plus people in Sydney.
The east coast road trip is the same distance as from the Mexican border to Washington State. The northern end of NSW is currently having a boom in shark attacks and lone surfing is definitely more dangerous than it used to be 9the shark area goes from Newcastle to Tweed Heads with Ballina being the real hot spot.
Each and every beach has a hot resident crew of surfers, but the more remote ones less so.
Some are a couple hours drive from the Pacific Highway and a little local knowledge is required to find them.
The east coast is fickle and even with home grown knowledge you can miss for weeks on end, or run smack into a mega cyclone swell, ( rest assured if that is on, so are the highly skilled crowds and the wave risk factor.
Indonesia is remarkably consistent in the swell season, with swell of various degrees coming from storm systems that circle the Antarctic passing below the cape of good hope . Only the size varies.
The entire south facing coast of the major part of Indonesia , Sumatra, Java, Bali Lombok Sumba Sumbawa, Timor all catch degrees of swell.
But as you head anywhere from Bali you are on your own as far as lifeguards and surf survival.
In spite of what Rinky says a camp/ resort is the best way to go as they keep an eye out for you and count who turns up for meals.
The Philippines , villages and camps at surf spots are a long way from cities and are on specific islands so road tripping is a little more difficult.
I suggest camps because they take the challenges of canoes ferries and spending days getting to the surf, locked into ignorance of how and where to go.
Other than Australia you need to be competent in first aid and take prevention for tropical diseases like malaria, dengue, typhus typhoid, and septic tropically effected wounds, dysentery .
Travel insurance is a must.
Wherever you are coming from has a lot less to consider than just hanging out at a easy beach!
