Unfortunately SF is lacking in really true luxury properties. As I live here, i've only stayed in the StR for our engagement night. It's one of my favorite StR as aesthetics are more modern. Feels more like a brighter park hyatt than traditional stuffy StR. Nothing unique or special about the property though. Note that butler service only offered to suite guests. Location is decent, especially if you want to get to the ballpark.
Never been inside the FS Embracadero. But the location is in heart of financial district so will be dead on the weekend. Close to the water and ferry building but not much else.
I've only been to christmas parties at the Ritz and wasn't my cup of tea. Location a bit isolated. Old school. Felt a bit bigger than the other two.