I've been too busy to post on this topic to date. I'll add that Rancho Bernardo now has a newer community, 4S Ranch, were you won't find many gray hairs. Large development with many different neighborhoods - if that's your bag. It is South of the dreaded I-15/Lake Hodges parking lot which is good. Carlsbad is growing into a modern classic suburb with the requsite strip malls, starbucks, and sport marts. If you consider Carlsbad I'd highly recommend you also look at San Marcos. We're 9 miles inland from the coast and regardless of what you read (Todd) there IS a great lifestyle East of the I-5. The key is to stay West of the I-15.
I'll post more later.