Thank you all regarding their opinions of San Francisco. Just as I suspected, my concern was not overblown regarding carrying valuable equipment in the open. Before this planned trip, hopefully to occur at next month's end, I was thinking on getting a film P&S, something I never had before. With my film interest rekindled, I want something more casual with AF/auto exposure for outings with the family or on trips where weight, speed of capture or safety would be a potential issue. Thanks to this thread, I went ahead and ordered a P&S which should be arrive in a week or so.