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I've heard as some LGS doing the 21 year old thing, as insurance.
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For stripped lowers yeah, have to be 21, some BS legality thing here; not sure though about complete lowers. Honestly, the way things are in CA right now, I would go the 80% route and just build it featureless. I have no black rifles that were dros-ed after Jan 1, 2014, and every AR I own is home built; I don't trust this state, and the whole AW registration thing is still up in the air since the Office of Administrative Law rejected CA DOJ's second submission of written wording for the "AW ban" and their attempted over reach of authority. Calguns.net is the site you need to be on, a lot more helpful CA specific information.
FWIW, do you currently own any firearms? Because I would say if you do not own anything, IMO I'd buy a 12 gauge pump first because they are just so damn versatile, buy an 80% lower and the tools to do it (not much really, at the most basic a vice, a jig, a drill, and a router) and build the AR as funds allow.
ETA: Another viable option if you wanted something similar to the AR in caliber but don't want to deal with any of the black rifle bullsh*t is the Mossberg MVP in 5.56, its a bolt action that accepts standard AR magazines. I've been tempted to get one just because I find it interesting.