5. Also, like my fiance`s parents, if you`re going to be uncomfortable staying in an area that is vibrant and centrally located but definitely urban and somewhat seedy looking on some streets and with a population of homeless people and drug addicts, then stay at the hermetically sealed (and very nice but expensive) Westin in the area, or at one of the nice hotels on bucolic Nob Hill (trust me, no panhandlers will be trekking up those ridiculously steep hills).