So for me traffic is not really an issue. Except when I drive to the dentist in Carlsbad area from Point Loma. But I will probably find a dentist closer to home in Point Loma to save on it next year. As far as community goes, I love Point Loma area but real estate is even more expensive than Del Mar except for Rancho Santa Fe. I may buy in Oroville because I can get a nice place for 300k versus 1 million (San Diego) and still have a nice big lake nearby to use for water sports.
True its not San Diego but much more affordable, people are a lot friendlier in Oroville and less traffic and very small town.