SF is of course much better than the norm. But I don't look for Michelin dining experiences. I'm very happy with a good ethnic restaurant of some sort.
But yes--I do find if I walk into the random restaurant on a street I expect to be unimpressed, even in SF. And the fact that it's somewhere I haven't tried before isn't really a big plus in my book unless it's also good.
I am at least somewhat picky however.