Are we talking about the same city here? I'd call SF "occasionally chilly" at best. That's part of why so many homeless people gravitate to CA; if you're sleeping outdoors there are many, many worse climates for it.
> The coldest day of the year is December 26, with an average low of 44°F and high of 55°F.
https://weatherspark.com/averages/31587/San-Francisco-Califo...
Related: did you know that windows can crack from thermal stress like cookware that you cool too rapidly? I learned that last weekend! Windchill -30F, fun times here in New England.