We've found that it is SO expensive to dive in CA. From OC/SD/San Pedro, all boats are $75-80+ per person. For that, we can take a boat in Cancun, Puerto Vallarta, even Costa Rica, and are almost guaranteed great diving...
Skip AOW? I guess we were just waiting for someone to tell us that...
Any more suggestions?
Ditto on skipping the boat. If you love boat diving and can afford it that's one thing. If the cost of charters is keeping you from frequent diving that is a huge under utilization of training and your gear investment. You can slash your cost of diving by getting familiar with your local shore dive options.
Almost any dive can be a great dive believe it or not. You may be a accustomed to great visibility and so forth but once you get accustomed to the smaller world of local visibility I bet you find it just as interesting and probably more challenging. Don't sell local diving short.
As for AOW I would not prematurely set a training limit. Get some dives that are within your scope. If you are self learners or find yourself in the company of a good mentor you may evolve on your own. If you decide that you want to be better at navigation or be introduced to the deep or night then take AOW.
For the purposes of boat diving there may come a point where the dives you want to make require AOW. Based on your dive count I would do it soon of you see this being the case, otherwise it will be very redundant. There are some good AOW programs so do some research and make it worthwhile, not just another card.
At your discretion consider following that with rescue diver. In fact since you are with NAUI you can skip AOW and take rescue diver anytime. That will do a lot to make you a safer diver and better buddy.
If you remain committed to vacation diving then nitrox should make sense if your vacations are dive centric.
The biggest thing you can do lower your cost per dive is to dive, dive and dive some more.
If you have not yet bought luggage to bring your gear on trips consider conventional cases. Nothing says you need to have a gargantuan dive branded case. A plain case will not advertise the contents. As long as it holds the gear and a mesh bag to carry the day's needs to the boat you're covered.
Taking good care of your gear will let you get many years from the investment and lower the cost further.
If your camera is not digital, consider going digital.
Good luck with the new gear and dive safe and often.
Pete