I hope it's okay to post this:
I went to flikr which is a photo sharing site and typed in El Matador Beach California. It brought up lots of photos to look at and I honestly can't see much difference between photos there and ones of Lovers Beach and Sunset Beach in Cabo. This Pacific coastline area has lots of similiarities.
I think if we find the right rock, with that collection of smaller roundish rocks at the bottom, on beach or another we may know if we are looking at F3 or F2, but we may not find it.
I have believe from the getgo that the suit she is wearing on the beach is brown. It does not have stripes. It is a third swimsuit to explain a reason for and Cabo doesn't seem to have that many opportunities to change.
I believe Bettina is an F2 based on the number of swimsuits even discounting the rocks.