We got married at the Swedish American hall, reception in cafe du nord below it. If there hadn't been Parents To Please, we likely would have done the entire thing in the cafe (it's a bar) it has since been remodeled, don't know what the cafe looks like anymore. The cafe is, was, independently run from the Swedish hall, at the time the food was quite good. We brought in our own "cake" of cupcakes. Wedding cakes are also a massive scam btw. So are cupcakes
Anyway
Other things to consider for ST weddings are the tangent logistics. Parking sucks, lodging is expensive, traffic getting into ST on weekends is sometimes formidable for those planning to come last minute. More than a few friends missed the ceremony (it was short, really short) because of unexpected traffic. I out the PITA factor on par with Tahoe honestly.
No matter where you have it DO NOT do an open bar. Not fully at least. Some idiot relative on your wife's side will "buy you a drink" and it'll be top shelf, and all you'll be able to think is "great, just bought myself a shot I have to do with this person I don't even like
Don't invite coworkers, unless they're from 3 jobs ago and you're still friends.
If you're paying, only invite people you actually want to attend. Your in-laws friends from kindergarten that your fiancee hadn't met? Ever? Fuck am.
For an SF wedding, for 40k, you will be doing a LOT yourself.
A Day Of Wedding planner assistant was well worth it btw. Encourage guests to mail gifts instead of bringing