>>> Presuming that SF is representative for the US, then IMO: tap water, milk, butter, bread and cheese in the US isn't that great.

For one, SF is NOT representative of the US. In fact, one of the best places food-wise.

However, of the five items you've listed, I'd agree with you on about 4.5. The SF's sourdough can compete with any sourdough, but an average village bakery in Europe beats it hands down on other varieties.