That wind can be so uncomfortable coming off both the ocean and the bay. It can make 55 degrees seem like 40 real quick.
Another note on SF, I can’t imagine their car theft rate is very high but they have to have one of the largest car vandalism rates in the country. It’s a nightmare with homeless breaking into cars and stealing whatever they see inside. Not a place you want to park a car on the street even during the middle of the day. Another sad consequence of their way too progressive decision to not prosecute minor crimes.