go for san francisco dude, ocean beach can go off, ive had plenty of days where its just perfect double overhead a-frames all up and down the beach. be warned, ocean beach gets heavy and the paddle can be insanely brutal, guaranteed at least 20 minutes on a big day. ob is a bit open to the winds though, it needs e winds or no wind at all. there are also other spots around the area, pacifica is good on small/medium swells and south winds. and there are certain other spots north of ob but not quite over the golden gate..... ill leave those for you to discover. just dont piss off the locals there. i live in oakland right across the bay, and it takes me about 45 minutes to get to ob, and 3 hours for tahoe. all in all, the surf in sf isnt as good as other areas south of it, but it can go off, especially in the fall when the e winds and clean swell come. these pages have some sick pics of ob:
http://surfhumor.com/Photos%2016.htm
http://surfhumor.com/Photos%2015.htm