I found a very cute bed and breakfast in Sausalito (right across the bay from San Fran) and used airmiles to pay for it. They even have a complimentary wine and cheese reception in the evening.
Plan is to go down on Friday, Nov 13. Stay the night and then probably walk the Golden Gate Bridge the next day, walk on a beach, stuff like that. Then, on the way home, we can stop at this nice restaurant that I won a gift card to.