Alligator,
There is lots of surf in Santa Cruz. You can learn more about the locations, see web cams, and read twice daily surf reports at this link:
http://www.surfline.com/home/index.cfm
You can also learn some additional informaition about Santa Cruz surf spots with these links:
http://www.surf-forecast.com/breaks/Ple ... Peak.shtml
http://www.wannasurf.com/spot/North_Ame ... index.html
There is a lot of chaff in the comments at wanna surf; mostly by local elite that believe they own public property. You'll have to separate it from the wheat and then you'll have some useful information.
Around Santa Cruz, I really enjoy Pleasure Point in the town of Capitola. There are several breaks at Pleasure Point. All along the same stretch there also is 38th St, 41st, the Hook and another one or two. If you are experienced, you might like Pleasure Point and a place a little north of it called Four Mile.
I surf in Santa Cruz about twice per month. I find everyone is plenty friendly, the water is warm enough, and there are lots of animals in the water. Did you know there are more than 20 surf shops in Santa Cruz and Capitola? One of the ones packed with stuff is the big ONeil shop very close to 41st street. ONeil is based in Santa Cruz and the large green house at 38th was built for Mr. Jack ONeil.
Another place I like is a little south of Capitola. It's Manresa State Park. Nice beach and, at times, really fun waves.
If you want to go north of San Francisco, the Bolinas jetty is usually very pleasant.
By the way, I envy that you live and surf in San Diego.