I agree with many of the others.   SF is a very compact city being 7 Miles X 7 Miles so no need to limit yourself to the Fisherman's Wharf area.   Fisherman's wharf is a touristy area and prices of both hotels and food are generally higher than you might find elsewhere.   If you are going to be in SF for a day or more before your cruise I would pick a place near public transit or sight you would like to see.    Don't limit yourself to the big chains as there are some really i