Also it’s important to think about where you work, and I might have missed that. For me, Cardiff is an easy drive to work off of Genesee in the UTC area. It’s a little tougher on the way home but generally under 35 minutes. Besides this area, I considered Rancho Penasquitos because the commute was even faster. Carmel Valley would not have been too bad, but all I could find there were Condos and Apts, and my kids needed a place to throw a baseball.
Depending how far inland you go, you could have another 15-20 minutes to your commute. For instance if I moved to La Costa I’d be adding that amount of time each way. On the other hand, inland La Costa and Encinitas have slightly better deals.