I assume you're trying to be sarcastic, since that comes across so clearly on FT ...
There are around 20 Cat 4 (and lower) properties in the SF Bay Area, depending on how you define the boundaries. You may not want to do a staycation and use your certs but you certainly could very easily.
Ah, not sarcasm, but should have written SF, rather than SF Bay Area, which is a force of habit. So, the 15 or whatever Cat 4s outside of SF is of zero interest to me, staycation or otherwise. I probably wouldn't be interested in staying in any of those properties even Hyatt paid me to.