Hi there. I've lived in San Diego for 10 years. When it was time to pick a law school it was either USD at full cost, or Cal Western for free. USD is the big fish in the little legal pond we have here. If you're leaning towards large firm jobs with a high starting salary and high hours, then I'd probably say that USD is your safer bet.
If you're looking for government work, or you know you want to work at a smaller firm, then with your numbers I think that Cal Western is probably the better choice considering your odds of getting at least some money there.
Both schools place well in San Diego, but USD definitely has an edge in the larger firms. DLA, Cooley, Gordon & Rees, etc etc.
I chose Cal Western, and I'm happy with my selection. I'm on law review, have won a few oral advocacy awards and have had an enjoyable time of things. Plus, the faculty and administration are very very friendly and easy to interact with. If you have any follow up questions, let me know.