I have a PERECT example for you here, David - my Dad. He is a very happy, very crappy golfer. He lives and dies with every shot, showing emotion that would make Palmer seem stoic. It's hard not to have fun playing golf with the guy, for this reason and for the fact that well, my own bias aside, he's just a great guy. He's also a terrible golfer. He does, however, know his limitations and play to his limited strengths and considerable weaknesses incredibly well... I'd put his course management skills up against Tiger and Jack, only because my Dad has WAY more choices each hole!
In any case he's got be a great example of the golfer you describe here. Not a novice by any means, but a less-than-talented player without a doubt.
So where are good and bad courses for he and I to play?
Well, TOC is out, sorry. My Dad can only do is standard "tacking manouver" (three shots sideways to go around things he can't get over) if he SEES the hazards, and too many of those are blind. He'd have no fun whatsoever ending up in those hellacious bunkers, because he'd be pissed he got in them if he didn't see them, and he doesn't have the skill to get out... he might take 15 shots to get out of some of those, and that's no fun for anyone. So no, I don't see TOC as a good example here... While there are ways to go around the bunkers, they are too severe for the less-skilled player, there are too many of them, and too many are blind.
As I told Tommy right after playing this course with my Dad, I swear there is a great one near and dear to you... oh yes, Rustic Canyon. My Dad loved it, being able to bunt his four-iron around all day, have some choices to make, some things to go around, without it being too severe so he had a chance each hole but was still made to think... And I absolutely enjoyed it myself, also. Might be the perfect course for he and I to play - again, I wish I lived closer.
As for the others you mention, well....
MPCC "old" Shore - well, Dad would struggle mightily on the forested holes, and the greens would have given him fits. Still, the views out by the drive were nice, and he'd like that... I loved the course myself, so I guess it works. I'd just have to nurse him along the first three holes.
Meadow Club - good call. Maybe a little tight, but there is tacking room....
SFGC - another great call. Works. Again he might require some nursing through the tight holes, but he'd love it.
Cypress - well.... maybe too severe in places, but who wouldn't love the challenge? Dad already has contemplated how he'd play 16, and master tactician he is, he said he'd have to give it a try to make the carry, only because he couldn't live with the concession to age and admit he can't make it, but after dunking one, he knows a good way to play the hole... he's asked me all about the various carry distances to the left!
Augusta looks perfect as well, from everything we see in pics and on TV.
As for some others, well....
I'm wondering if Pacific Dunes works. I think so, but it strikes me as having the same "too severe in places" comment that I give to Cypress... by that I mean, Dad could get lost in the sand dunes and never be seen again.... whaddya think? Maybe Bandon works better, being generally wider?
I'm gonna give this more thought as well. I hope to have this choice to make for many more years, as my Dad has now retired and is getting more into the game.