I used to live in the suburbs of San Francisco but stayed in hotels quite frequently. If I had to work late (after midnight) the company would pay for a hotel room. If I was going out on the town (e.g. Black and White Ball, Opera or Symphony Opening) I would stay in a hotel room rather than drive home at 2 AM. If I wanted a romantic weekend getaway I would stay in a hotel room. Sometimes you CAN trust the locals.
The best hotels in SF are the Mandarin Oriental and the Ritz.
------------------
Cheers,
HKF