Uber/Lyft is not a luxury in SF, you can get most places for under $15, not to mention you can split the cost with others when you travel.
Transit is horrible but if you live by BART, it’s 1,000,000% better. Train to where you’re going and Uber back home for $10.
I live right next to BART in the mission, and that doesn't help me when I want to hang out with my friends in the sunset. Even if I'm just going to go to a nearby neighborhood, say the Castro or Hayes Valley, it's just faster to walk than think about taking public transit. I love walking so I don't really mind all that much, but for a major world city, that's kind of ridiculous.