Super agree that living within a 5 minute walk of 9th and market, Civic Center, Powell, Montgomery, or embarcadero stations is peak public transit experience from a distance perspective. I loved being able to get on the train at SFO and then hop off essentially at my home.
But of course those spots also mean avoiding poops, drug deals, a homeless person in the 1% group that assaults people, and other general shadiness. Generally fine for a huge man, much worse for a dainty woman.