Maybe, maybe not. I believe someone upthread suggested taking BART to the Embarcadero stop ($8.95/per person) then taking a taxi/lyft the rest of the way especially if you have luggage, since the F tram is often crowded. (FWIW a lyft for up to 4 people seems to be about $8-9 from Embarcadero to Fisherman's Wharf on a Sunday morning). IMO, if you have 4 or fewer people, and aren't arriving during rush hour this combo is the best balance of price & convenience.
Fortunately there are multiple combinations that can work out for people depending on number of people, amount of luggage, traffic, and if they're trying to optimize for time or price. Unfortunately, it does add to the confusion when trying to give suggestions!
We had two different scenarios - two of us arriving together with one bag. IIRC, this cost us $23 via Uber Pool. However when departing, there were four of us with a total of five bags. Cost was significantly different returning to SFO than going to SFO. We took a cab for $72 including tip. We felt that Uber/Lyft were too costly to get someone that could take all of our luggage. The cabbie came in a minivan and was about $60 before tip. All the larger Uber/Lyft were well over $80.
It's all about the luggage and to a lesser degree the number of people.