I recently went to one of the evening talks given at Corinthian YC, the topic, weather, from one of NOAA's own. The question was asked, why are the forecasts often so differnet than what I found out there?
Answer: The forecast is done is sections, somewhere in that section will be exactly what we predicted.
So extrapolating, if you look at sailflow.com for the Central Bay current condition you may se 20k off Point Blunt, and10 around Red Rock, and around the Bay Bridge. Get a free membership of sailflow and watch what goes on in main bay. With 15k off Point Blunt, you will often find that there is a counterclockwise wind in San Pablo Bay and a clockwise flow into south bay. So you could find three sailors, spinnakers flying going dead down wind, one in Main Bay east bound, one south bay south bound and one in San Pablo bay north bound.
As the wind picks up over Pt Blunt to 20+ those curves north and south start to straighten out, until eventually the wind is a westerly throughout the bay area.
Add this wind diagram from sailflow to their current prediction and think about the effective southerly in San Pablo with a strong ebb. What does opposing wind and current do to the small boat? Then as the wind becomes more westerly, at right angles to either the ebb of flood, you might have wished to stay home. I know I have.
FYI weatherunderground has just joined in with Active Captain to develop a sailors forecast. From their main page look for the Travel & Activities tab, select Marine & boating, enter the zip code you are interested in, or click your region on the map. There is not only the weather forecast, but tides and current, max flood/ebb, all on one page. I do hope they improve the site as time goes on, but its pretty good.