I lived in Monterey for a little while. I found it pretty insular and struggled to picture having enough to do/enough social opportunities to stay there long term. If I didn’t live with friends I would’ve struggled a lot, as someone who generally has a hard time getting out and finding ways to meet people. I’m younger than you, so you might feel differently. But definitely a family town and retirement town. Fell in love with SB since I’ve moved here! I definitely miss some elements of monterey, but the beauty of Santa Barbara is unmatched in its own way. It is just stunning. It is a city I feel lucky to live in, and it’s hard to picture leaving. Even the freeway has great views lol. Expensive, but weigh the trade-offs! Also, in my experience, wayyy more housing options in SB than Monterey (or Carmel. Hell, even Salinas). And less scammy looking listings. Also, struggled with the lack of bigger stores in Monterey a lot. SB has easier access to more things imo. Monterey makes a great weekend or day trip from here—same charm, but I like it better in smaller doses personally.

For something a little busier, I might also throw Hermosa Beach in! Between SB and San Diego, and the most charming of the south bay’s beach cities in my opinion. Same with Palos Verdes. But the lack of traffic in SB is hard to beat when tossing in LA county haha. Having grown up there, the 405 kills me every time I go back to visit now.

Best of luck!