Hey Steve,
I go surf in CA almost every winter. I used to live and surf in Eureka before I was a kayaker. My best surf/kayak surf trip ever was the one to Central Cal, based out of Cambria.
I will never forget a few days I had at Willow Creek, which is north of Cambria, south of Big Sur:
http://www.surfline.com/travel/surfm...pot.cfm?id=106
On small days (small for winter, that is) you can get out in a kayak. If you surf the right on the south side of the break, wear your creeking helmet:
"Upon first inspection, you might think that the waves that break in front of the kelp-covered, tortoise-sized boulders of Willow Creek are too close to shore for a safe go-out."
Hehehe. I got worked on the rocks a few times, but it is no worse than going upside down on a steep creek.
Sand Dollar beach is sweet too (if it is small). The north end of the cove has a nice right-hand point break that would be good if no surfers are on it (it is a short wave and won't handle a crowd....and one kayak becomes a crowd quickly).
I would go to central or nor cal because the coastline is full of little rocky coves that you can have all to yourself. Low tide breaks that are full of rocks and unsurfable on a board are sweet in your playboat.
Once I paddled back in, beached myself, and found myself about 20 feet from a huge bull elephant seal sitting in the sun. Awesome! Willow Creek doesn't look like it had enough water to paddle the creek itself.... and I never check out the other creeks when I'm in the area...I'm in the ocean 24-7.
Around Eureka the waves are bigger (usually huge starting now through Jan) and surfable spots a bit harder to come by. The best place for surf-kayaking there is Patrick's Point but it is always full of surfers when it is good and the surfers will shit if you paddle into the lineup so low-tide, surfing way inside is the best option there. There is a perfectly placed big rock at the end of the wave (breaks left) that you can eddy out behind at the end of your ride if you get caught by the whitewater and can't kick out over the top of the wave (other choice is get worked on the rocks).
If you want beautiful weather and nice beaches I would go to So Cal and stay at the Moonlight Beach Motel in Encinitas. It is about $80/night for a kitchenette from which you can check out the surf while sitting on your balcony. There are tons of breaks in the area and the semi-crappy ones (like Moonlight Beach) are empty. It is much harder to kayak surf in that stuff because there are no channels to paddle out in, but getting worked in beach break has its own flavor that I kind of like.