San Miguel: joke. The large population referred to are cows. Does San Miguel even have one restaurant?
Santa Cruz: wrong. You just didn’t look hard enough. There are quite expensive and also very good restaurants (not necessarily the same ones). It is a resort town with many wealthy culturally sophisticated residents. Most of the highest quality restaurants are small, sometimes tiny. And, I don’t think the best ones are downtown. Look in the neighboring towns of Aptos, Capitola, Soquel.
If you want a list I’d have to work too hard, so just believe me.