Matt,
I would do the following:
Money is tight and there is nothing better then being able to play affordable golf at a low price. Courses like Oceanside Muni are a kick to play, although a bit wacky in some spots, I can't believe how much these smaller places make me appreciate good architecture, and in some cases, you will be surprised to find some really interesting holes on some of them.
At Oceanside, which you've probably played before, it's an interesting little number with a fair amount of movement later on, and for $37.50 w/cart on the weekends, it could be a lot worse. (For what it's worth, the course is totally walkable, although a bit hilly in certain portions of the property.)
Another one is Balboa, who your cohort there can set you up on how to get on. Go check out that interesting little nine-holer down in Chula Vista, which is more then likely--if my research is turning things up right, the original San Diego Country Club. It's on a parcel of land that isn't wider then your thumb nail, but it looks like it may have been a kick at one time.