I think Pac Coast makes a whole lot more sense that time of year.
On bikeforums.com, someone recently posted a link for some mexico touring that sounded spectactular.
You know the divide route is dirt, and high-altitude, right?
Check out the seasonal averages available on weather.com -- here's an example for Pie Town
, the a very far south US town on the divide route, note the average high is 44F and the average low 16F in December. Brr.
You'll probably be happy on the Pacific Coast route starting soon, although the first big storm of the season is rolling in tonight. Be prepared for rain. Often pacific storms bring south (head) winds, so be ready for that too.
If you are on an ultra budget, it might be even more important to be in friendly climates, as you won't have the hotel option as a bailout.
I'm doing a little bit of the coast at the end of Oct, (SF-Santa Barbara) so perhaps I'll see you out there.
have a great trip!