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1) San Elijo Hills in San Marcos? -- 1 hour min
2) 4S Ranch? -- ~40 mins max (my wife does most of this commute into mid city, definitely buy a Fasttrack)
3) Poway? -- almost the same as 4S as you get on the highway around the same point for both.....if you live in southern Poway and use Poway Rd, you may save 5-10 mins over 4S. But again, these two communities really exist together as one big community.
For a downtown commute where you still live in a nice suburban area, take a look at Scripps Ranch. The homes are older there, but that's a nice area to live. I used to commute to 32nd street from there when I was in the Nav and the commute wasn't bad at all. It's about 12 miles closer than RB/Poway and 27 miles closer than San Elijo Hills. San Marcos is quite a trek because both the 5 and the 15 is terrible during commuting hours in those more northern regions. If it rains, add another hour. Seriously, try that commute before putting any offers in on homes.
I was real close to buying out there twice (looking on the weekend, no traffic), then backed out after trying the commute south.
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