Derf, at Category 4 you're out of the city core and into the periphery. The SF Airport Marriott is Cat 4 - I've stayed there; it's a typical airport Marriott property but they do claim to have the "new beds" so if that's a hot button for you, it could work. The Airport Marriott can shuttle you to the airport, where you can catch BART to the city.

A new Courtyard and Residence Inn are showing up in South San Francisco /Oyster Point - I don't know the specific neighborhood, but they claim to overlook the bay, although I have no idea what the view is. They also claim free shuttle service to the airport which allows you to take BART to the city core.