The excellent comments regarding why the OP might want to consider Santaluz are exactly why our friends have pretty much narrowed it down to that location. The “West of I-15” thing is also a big factor for them.
I agree that Santaluz is probably a much better choice than RSF for a young family. When we settled into RSF there was no Santaluz, so it was the best option for us, since we wanted a lot of space not far from the ocean. In retrospect, the home in RSF proved to be a real bargain, when compared to today’s real estate pricing.
Also, our kids were into horses, and we are all into golf and tennis among other things, so it was a perfect fit. The kids had lots of friends, but it was a lot more effort to get them to and from all of their activities–more so than it would be in Santaluz. Also, if one is into boating or flying, as we are, access to the freeways to get to those destinations is great from Santaluz or RSF.
When you have a choice, as the OP does, it all boils down to preferred lifestyle, and I think everyone has shared with him a great range of choices from which to make his decision.