Since I am sure you want to take Tioga pass across anyways I would suggest staying in Mammoth Lakes for at least one night. It's about half hour south from 120/395 junction and has some decent options. You'll also get to cover some interesting eastern sierra sights that way. I would stay there on the second night and then drive back to SF via another sierra pass (4, 108, 88) depending on how far north you'd be willing to drive. Tahoe is less than 2 hrs away so you can even route your return that way.