Just wanted to chime in here with my $.02. We pretty much stay in the Financial District/Embarcadero...usually the Omni...when we visit. The area does quiet down in the evenings, but there are plenty of places to kick back. A Muni pass is great way to take advantage of the public transportation options: Cable cars, F-line trolley, Muni buses, and Muni subway, though not BART. There are a lot of high end bars/restaurants in the area, some of them quite well known like Michael Mina's. In the area there is Bob's Chop House in the Omni, near MM's is Tadich Grill...best seafood, Perbacco, Barbacco, Wayfare Tavern, Palio's, Alfred's steakhouse and others. The Ferry Building has a boatload of small establishments that always look busy. The Slanted Door gets rave reviews for Modern Vietnamese. With your Muni pass, you can hop on the cable car and head up California Street and visit the Top of the Mark in the Mark Hopkin's Intercontinental, or any number of establishments along the way. All in all, I would consider the FE/E area to be safer than the USE/USW, but always be aware. Good luck.