Your wardrobe should be ready to compensate. And don't expect Baywatch conditions - that's Southern California. Really, our city is tiny, and best explored on foot. Walking allows you glimpses down side streets, into parks, and from postcard-worthy vista points. The good life in the city by the bay comes at a high price.
Sticker shock is a way of life out here.
Get used to it. Recreational activities abound. Many are harmless, decent people, and quite of few will ask you for some money. To give or not is a personal decision, just be aware the situation exists. Hit Union Square for the department stores, Chinatown and the Wharf for souvenirs, the Haight for vintage records, and the Mission for furniture and books.