I've lived in San Diego
for years, and I've seen the aftermath of Mexican tropical storms and depressions. They're usually quite weakened by the time they get this far (32 degrees) north, and usually it's just the swell and humidity we experience.
HaHa, a huge cruising rally, leaves for Mexico
every year from San Diego
right at the end of October, which is the end of the storm season.
How risky / smart is it to go down the Baja
peninsula before then, maybe by a couple of weeks? I can't imagine two hundred miles down the coast making a huge difference between the full brunt of a tropical storm and a bit of humidity.
Additionally, I've worked on sport fishers that routinely go ~100 miles down into Mexican waters during hurricane
season. Again, the worst I've dealt with is excess swell.