McCormick Ranch is right around the corner from my house, so I have played both Palm and Pine quite a few times. I find both courses really challenging. When playing here in the summer, the back 9 on Palm can be particularly challenging as they let the rough get very thick.
Summer rates are terrific, and during peak season you can still find good rates if you play in the afternoon. This is a great public course - and when you book through Golf now, you typically get a basket of range balls. Between Starfire, McCormick and Silverado, McCormick is the only course with an actual range to practice on (Silverardo has a net, starfire foam balls) and it is my favorite course of the three.