But, more importantly - how familiar are you with Taxi Drivers on the Peninsula. Many of them are very new to the valley, many of them have just started driving, and quite a few of them are scary, psychotic, or just plain mean. I have yet to have that experience with Uber/Lyft, and when I do, I expect my, and others feedback, to correct that situation immediately rather than have to deal with it for any prolonged period of time.
Also - think of the hundreds (thousands?) of people a day for the last 10 years who carpool over the bay bridge. In that situation, you truly are getting into an absolutely random strangers car. People don't seem to have any issues with that - and there is ZERO background check, tracking, or awareness of those people.
The world is not as scary as people seem to think it is - In terms of risks, the most dangerous thing is likely not your driver, but the fact that you are in a car in the first place. They kill 30,000+ people a year.