Sorry, but I live a block from west 4th station and I can barely get to my office 2 stops away in 15 minutes, door to door. Jersey? Fugghedaboutit!! Only a rental brochure would ever claim that
I'm talking from NJ to midtown ferry terminal--- its about a 15 minute ride--- then, during rush hours, you are right--it took about another 20 minutes or longer to get to 5th and 53rd--- but if you timed it right, the free shuttle could get there in around 10.
Dude, you are reading my mind. Been comtemplating San Fran for a few months now. Take advantage of the change of scenario. Also the early trading hours could be very useful.
Here is a summer shot from the balcony off the living room--- you can kinda see the city turning gold....