Richardson Bay is a common anchorage historically full of derelict live aboards, but they have been cleaning it up. You can get really stiff and surprisingly cold breezes in there, but the holding is usually good. Although look out for junk on the bottom. Frankly the homeless boats are a major turn off for most, but you can dingy to shore from there.
Two other nearby spots to consider. If the wind is from the typical westerly directions, you can anchor in Belvedere Cove right around the corner. Easy dingy to shore in upscale Tiburon.
Also, a lot of sailboats headed out of the Gate will overnight in Horseshoe Cove, but there is no there, there and it is pretty surgy.
Same lack of there there with Clipper Cove on Treasure Island. Besides a really shallow entry, there is no easy way into the city (although an Uber will retrieve you from there).
Did you check Pier 39 and San Francisco Marina? Both have end ties that would fit.
Good luck! The weather this time of year is usually gorgeous in the Bay Area. Stay awhile!