I live in San Mateo which is usually warmer than San Francisco. Are you aware of the large mesh gilet/vest type products?
Mine is the Montane Slipstream Gilet, a UK make, I'm sure there are US equivalents. Has a large mesh back panel so if you're moving fast+forwards the front zip up means basically a vest's insulation, zip lower means much less insulation. If you're moving fast then you don't need much insulation but enough to blunt a cool breeze. I use mine many times, I'd say almost daily, good for a 60F-ish type temp which is often is. Below 60F, I also use it over a full windproof to boosts it insulation and in rain as the vest deflects most rain so the windproof under is fairly dry, when a wateproof would be too clammy/hot. I use it also over otheerwise flappy jackets to reduce flap so I don't always have to find a jacket right-fit and no-flap. General-purpose useful.
To pair a vest, I also use some Smartwool arm-warmers, rolling them down to the wrist is cooler than bunching a long-sleep base to the upper-arm.
Between these two I get sufficient flexibility to cope between cool wind / fog through to sunny warm, in the summer I'd have to cope with 80F in bay to mid-50s in the hill fog and if I'm active these two items meet all my needs.
Montane Slipstream gilet
http://www.montane.co.uk/products/men/windproof/slipstream-gilet/245
shows only the front view but the rear view is showing on a blogging site
http://i161.photobucket.com/albums/t215/ptcs-photies/1-37.jpg
No pockets, and comes with a stuffsac.
Arm-warmers
http://www.smartwool.com/arm-warmer-16.html#Black
You can get the arm-warmers at REI, the gilet, i'm sure there is a US make equivalent, possibly more likely from cycling shops? I think I've seen cyclists around with similar looking.
For a full-on windproof with minimal back venting, mine is a very long one, a Montane Velo, I'm sure there are shorter ones for running.