Aloha and Welcome to the forum of many opinions! I think you are getting a lot of good advice
and would encourage you to take awhile longer to start thinking of buying
. My limited experience with SF Bay
would tell me that the Catalina
27 is more suited but then again my first boat was a Catalina
22 but in more moderate conditions here in Hawaii
(except the channels of course). I had the pleasure of sailing the channels this last week on a Columbia
28 with winds to SF Bay
standards and found it to be very good and seakindly much to my surprise.
Hope you can hold back a bit and walk the docks and get lots of opinions before jumping on those many "bargains."