"by American standards" is doing a lot of lifting. On a scale of 1 to 10 I'd give SF about a 4 compared to cities like Tokyo, Paris, Berlin, London, Amsterdam, Seoul, Singapore, ...
Not even for the (sadly) semi-regular pedestrian fatalities that happen once or twice a month? Those usually delay trains for over an hour.
Caltrain's own reports say there are hundreds of late trains every month.
It is good for getting in and out, assuming you already have a way of getting to the Caltrain station which isn’t exactly in the center of the city.