All I can recommend is choose your
weather very carefully... We have made that
route three times on our present boat and got slapped hard once from Morrow Bay to Monterey in July 2008.
We had 25
knot winds and 10 foot seas on the nose and were making about 3.0 kts over ground, motorsailing. In nautical terms... It sucked!
Another suggestion is have bailout points ready and waypoints marked on your
GPS, including routes to get in. San Luis and Monterey Harbor are pretty straight forward, but the remaining harbors on a straight line to
San Francisco are
Santa Cruz and Half Moon Bay (Pillar Point) and they are a little more challenging.
Moss Landing, is a nice harbor, but is on the scenic
route and probably be to far out of the way to divert to as opposed to Monterey Harbor or
Santa Cruz... unless your hugging the coast line.
Good Luck!