I have found that no matter what kind of boat you go sailing on, if it is REAL fast then you will get hosed. This applies to all boats, catamarans and "leaners" as well.
I can't imagine the conditions in the SF Bay to be less than very windy; I have not sailed there. I would expect that any fast boat, and that means any catamaran in that wind, is going to be a very wet ride. I suggest a dry suit and skiing goggles, along with a pair of foam earplugs for her. (no kidding)
I have never seen a drier ride than my Mystere 6.0. They are available in a 10' wide version that may be more stable, for your high wind. They are also available with wings and I expect those are very dry too.
My Mystere 6.0 is drier than a Viva 27. Once we sailed the 31 nautical miles from Marina Del Rey, CA to Catalina Island and never even got our feet wet until we were within 5 minutes of arriving at the island! I usually sail in 5-18 knots of wind. Anything above 15 and I am starting to get pretty wet.
I think the suggestion for wings is the best one that has been brought up so far!
Performance cats sells them for many of their boats, including the Inter line. Hobie has them for many of theirs. Mystere has them. Who else, anyone??
One nice thing about wings is that you can be in a seated position without having to hang on a wire. This places you well above the water; your face and most of the rest of your body sits a foot or two higher than if you sat on the hull.
GARY