TCA PENETRATION BY SMA AND POSSIBLE LESS THAN STANDARD SEPARATION WITH MLG.

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VFR ON TOP WITH OVCST TOPS AT 4500' ON LORAN TRACK TOWARD SUNOL INTXN. TRACK APPROX 115 DEGS. OBSERVED MLG CLBING THEN TURN AWAY. NEVER WAS IN CONFLICT. LET DOWN VFR OVER CALAVERAS RESERVOIR AND LANDED HWD. DID NOT REALIZE TCA PENETRATION UNTIL AFTER BEING INFORMED BY TRACON SUPVR. DURING THIS FLT I ASSISTED 2 PLTS IN FINDING VFR CONDITIONS TO LET DOWN FROM ON TOP. THIS WAS THE REASON I BECAME PREOCCUPIED AND INADVERTENTLY PENETRATED TCA. I WAS ON 122.75 AIR/AIR COMS AT ALL TIME AND WX WAS EXCELLENT ON TOP WITH VIS ABOUT 100 MI. SAW ONLY 1 ACFT AND THAT WAS THE MLG. SEEMS LIKE ATC COULD TRY 122.75 IF ACFT IS IN CONFLICT WITH ACFT UNDER CTL WHILE VFR ON TOP. IT WOULD HAVE AVERTED THIS SITUATION. CALLBACK CONVERSATION WITH RPTR REVEALED THE FOLLOWING: RPTR STATES NO REAL CONFLICT. HE HAD THE MLG IN SIGHT AS SOON AS HE BROKE THROUGH CLOUD LAYER TO ON TOP. HOWEVER; MLG RPTED AN NMAC TO TRACON. THAT IS WHY RPTR WAS TRACKED AND ASKED TO CALL TRACON WHEN ON GND. CHARGED WITH TCA VIOLATION. RPTR IS IFR RATED AND INTENDED TO SHOOT APCH AT HWD. DOES AGREE THAT HE PENETRATED TCA. NOT VERY RECEPTIVE TO COUNSELING. HAD A 'BUT' FOR EVERY STATEMENT MADE BY ANALYST. FINALLY AGREED HE PROBABLY DID NOT USE THE BEST TECHNIQUE AVAILABLE.