Scripps Ranch is worth checking out – easy commute downtown via 15->163 and into La Jolla by 52. It is an area with excellent schools and a lot of families with children.
If you get anything from this board, you will want to SERIOUSLY consider renting. As we see real estate prices continuing to fall, buying seems like a losing proposition in many ways.
For $3,000/month, you should be able to rent a very nice, very respectable family home in Scripps Ranch.
I think that the traffic getting in and out of Carmel Valley is horrific, but to each his own.