I know exactly how you feel bro....
I have been there too, looking around highway 1 myself...how hard could it be? right?
Don't do it......it's illegal, and you risk a BFF (Big Fat Fine)...
This is a bit old but talks about the Ban that started on 2/1/09
http://www.allheadlinenews.com/articles/7013254285
There is a 7K square mile sanctuary where PWC are banned, here is a map:
http://www.sanctuarysimon.org/
Sorry, this is what the EnviroNAZIS have fought so hard for....
Pismo is pretty much the closest surf spot there is to the bay area.
There is another beach up north I keep hearing about...ssshhh!
But that is also a 3+ hour drive from the bay area.
I am not going to tell you what to do but whatever you do, keep it low....
very, very low and do not attract attention to you...and don't ride alone, always bring a riding buddy.
and let me know what you find out there....
Benny