Have you considered San Clemente (45 min north of SD, or 75 min south of LAX)? Not all-inclusive, but how hard is it to pull out your visa to cover your bar tab? It's one of my favorite surfing spots. Plenty of of high-end amenities (golf, food) and, if you run out of activities, you're a very short drive from either SD or LA. The weather starts getting decent by March.
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