As a fellow Californian (albeit from the south), I can attest to the "bring warm clothes" stuff. If you are going to golf, bring:
1) Warm socks
2) Good, waterproof shoes
3) Rain gear (just in case)
4) A great "wind breaker" type of golf shirt/jacket to go over your normal golf shirt (I prefer a lined sweater vest for cold weather golf, as it leaves my arms free).
5) Ear muffs (yes, ear muffs).
I played a couple years ago in July at Poppy Hills, and the high was 61, but with the wind and the dampness, it felt like it was no warmer than 45 - 50. I will never go to Monterey unprepared again.
The next day was 74 and the sun was out most of the day, so I never even put on my wind-breaker, but you just never now in Monterey.
Most of us know how to dress for cold weather golf, but it just never dawns on people that it can feel like the dead of winter in the middle of summer in Monterey/San Fran. Mark Twain's saying is true....