DH and I were frequent cruisers in and out of San Francisco before the pandemic.
The ship usually stayed overnight when stopping there on a itinerary starting from Vancouver or LA.
We have had some excellent days out. One tour on a volkswagen van all painted up for the summer of love.
We took public transit to the California Science Center which was great. We have done an Alcatraz tour. Ridden on street cars.
SF has become a bit more edgy in the past five years. They do have homeless which is a problem in most cities with a milder climate. We have met a number of what I would call "interesting" people at bus stops and managed to chat a bit. DH is very personable and kind so he tends to be friendly if someone is approachable. We do learn things that way.
We ate dim sum in Chinatown where a group of police had stopped for lunch. Very authentic and atmospheric.
The ships dock very near Fisherman's Wharf. I love walking along looking at the various seafood restaurants. I also love watching the sourdough bread being made at Bodin. There is also the must have clam chowder in a bread bowl.
I think it is like many major cities. Keep your wits about you and plan your day.
I have read recently many shops have robbery problems and have boarded windows. That makes me sad.
I have some sympathy as we have homeless in Vancouver, and yes, it is often mental illness and/or drugs. The problem is more difficult than we think really.
I would go to SF gladly.