all the lakes and reservoirs within a couple hours of me do not allow overnight
That's simply not true (if you live in the SF Bay Area).
but the boat wants to be on a lake.
In 1983, we bought a 1981 Catalina 22 swing keel on a trailer. We "berthed" it in Alameda Marina in the trailered boat parking lot section. We lived in an apartment in SF and then moved into our first house in Oakland during that time.
We, too, had the same question you did. So we did our homework. We found two: Lake Berryessa and Clear Lake. Both were accessible up highway 101 and the Route 20 east. We tried Berryessa, but the lake was too small for fun sailing. Clear Lake was superb. Big enough to enjoy a great sail in the upper lake portion, and the southern and eastern arms also had their charms. The sail from the top end to the narrows was one or two hours. There was a marina at the top end where we could launch and keep the boat during the week. The marina did not allow staying on board overnight on your boat. So, we'd drive up on Saturday, go out sailing, anchor out, and sail all day Sunday, and drive home in the early evening. It was heavenly. Anchorage at the NW end of the lake or in front of the state park at the narrows. The drive was less than 3 hours. Long weekends were fabulous! We'd do this from Memorial Day to Labor Day *weekend before and after to get the long weekends). Winds were perfect for sailing: like clockwork afternoon breeze came at 1300 to dusk, calm nights and mornings perfect for anchoring. We BBQd with a hibatchi then a utility box on legs in the cockpit. We built the sleeping option plywood: drop the table, slide the galley back and sleep athwartships, not the Vberth. Great times. There are a handful of other marinas there, too, or were, it was a long time ago. We stored and sailed the boat on SF Bay during the non-summer months.
We really enjoyed Clear Lake sailing, learned how to anchor and read and began to understand everything in Patrick Royce's excellent book - Sailing Illustrated, which had lots of C22 information. Pre-internet days.
Give it a try, reservoirs are too damn small to enjoy sailing.