I live in So Cal as well and have been looking around myself. My situation is a little different than yours, where I own a power boat, but I want to charter a sail boat, so I'm basically going in boatless.
One club I found that is in San Diego and Long Beach is Harbor Island Yacht Club. There initiation fee is reasonable (some of these clubs fee's are insane), their charter fee's are reasonable, they have racing if you like that and they have a school. So I guess it depends on what you want out of the club.