Caravan park at Pambula Beach. You can fly in to Merimbula from Melbourne, short taxi ride to Pambula.
Surf out the front, river around the corner.
Nice and quiet in winter and water at coldest is probably warmer than Vicco at warmest.
Not sure what you would do about a board though.
This is Helmy looking at Pambula beach on a flat day....
It's a good spot