What time of year is the weather a little to uncomfortable to go to the beach in a swimsuit and swim/lay out in San Diego?

The water is cold the year round because it is a northern current.

As far as lying on the beach, The winter months as well as May and June are not the best. "May Grey" and "June Gloom" are caused by a local weather condition where the hot desert air sucks in the marine layer off the ocean and creates coastal fog and clouds. This dissipates as the ocean water warms in late June / July.

From July through October the weather is pretty much the same, late night and early morning clouds which burn off at the beach mid morning, leaving sunny skies.

September and October are the best weather months. Be aware that Santa Anna conditions (high pressure forces hot wind off the desert) can occcur any time of the year, sending the temperatures into the 90s.

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