I've never considered myself riff-raff...but then I did just return from a Carnival cruise and felt right at home. Aww man, what's happened to me?!?
In the eight months I lived in San Diego, I never found a good Mexican restaurant. My co-workers there said it's because the food down there is too authentic and that I should stick to Chevy's and El Torito. Maybe they were right.
A previous post had some good suggestions for San Francisco but I also wanted to say the Walt Disney Family Museum in the Presidio is excellent. A walk across the Golden Gate Bridge on a clear day is fantastic as well but I'm pretty sure there are only two clear days a year and they are usually in August.
Pier 39 is a very touristy place to go but there is a lot there to do including taking a ferry out to Alcatraz, taking a bay cruise, or visiting the aquarium.
And if you had so much in the 60's that you can't remember them at all, a nice stroll through Haight-Ashbury might be for you. Just don't try to bring any souvenirs you buy from there on the ship with you!