It isn't the temperature that bothers me... I don't sail enough to let cold temps keep me off the water! However, since I am too cheap to buy a drysuit (funny though, how I spend money on everythin else just fine) if it is too cold for a full wetsuit and a spray suit on top then I guess I am not sailing.

I would be more concerned about the lack of consistent wind at SF... but then again you could say that about most events.