With pricing so relatively reasonable compared to other locations in San Diego, I can definitely see why you’d be considering HGV, but, based upon what you’ve mentioned regarding your commutes, imo, finding something further south might also be a consideration.
Also, even though your children are very young, you will want to think about school districts, so that’s another important consideration when deciding on a home, and here’s a great resource for that:
For young families, purchasing a home in San Diego is definitely a challenge on many fronts, so, you’ll just have to prioritize your needs/wants, and decide what makes the most sense.