I'll clean this mess up shortly. Meanwhile ...
FWIW we've been into Morro Bay by boat a number of times. As recommended, because of potentially dangerous conditions at the entrance, one time I called USCG station Morro Bay and received a "clear over the bar skipper and unlimited visibility" response. Hmm, "I'm outside the harbor and can't see the bow of our boat"... dead silence until ... "skipper, please give me your GPS coordinates", which I immediately did... dead silence until ... "clear coordinates skipper, let me know if we can help further".
The entrance to the harbor winds around the rock in an 'S' shape. Fortunately, we'd been into this harbor several times previously, although the channel does shift over time due to silting. Once inside the harbor, it was like someone lifted a curtain ... we had a clear blue sky and, right in front of us, was the USCG station. Had he looked out the window, he would have realized we were in thick fog.
We didn't hike the rock.