I know this is not one of your 3 options but you could consider going as far north as possible (think ACA northern tier and similar routes) and taking the train at the end of the ride to get to San Francisco. That would get my vote but then I'm no fan of the heat.
Et soyez le bienvenu au Bike Forums.
Last edited by bikemig; 04-13-23 at 06:13 AM.