Most of the San Francisco and Monterey Bay are zone 9a or 9b... There are a multitude of microclimates within these zones. We're in a cold sink, but if you go up in elevation a hundred feet or so, you're in the banana belt.. It could be the property behind me or next door.. The Sunset zones are more exacting.. I'm Sunset zone 15, as I was in Los Altos, yet there are big differences.. The air is moister here, the temperature variables are about the same, yet the cold lingers longer here and causes more frost damage. Those are just a couple examples... So, trust your instincts and your observations about your zone, Gabe..