If you like Sunset Cliffs, then you probably wouldn’t like a bland suburb. But if you wouldn’t rule it out, consider this:
Carmel Valley (which is as bland and suburban as it gets) does have great schools and, despite being relatively expensive, has a very large number of young families. It is also very mild in the summer, with highs usually in the low to mid 70s. It is very close to the I-5, and commute times to downtown wouldn’t be too bad. It is also a very safe, family-oriented place to live. For 900k you can get a 2600sf house on a 4000-5000 sf lot.