I basically agree with you. In spades.
As for my peninsula house, I might even be willing to have it demolished and replaced with 6-story condo, because I could probably walk away from the deal two million dollars richer, but NIMBYism is never going to allow it.
The Bay Area has decided to create green spaces, a policy that I support. But part of the price of having green spaces that box in growth is that we should be positively managing growth upwards in the places where infrastructure will best be able to support density. Unfortunately, we mostly to the exact opposite, and SF is the worst offender. Peninsula cities are only now meekly embracing 3 and 4 stories in locations that could darn well justify 8 and 10 story buildings.
You are paying the price through the nose.
I am paying the price, to a lesser extent. I really wish their were more poor people living nearby. It is good for the poor. It is good for the rich. It is good for society. Heck, you know how hard it is to find a baby sitter on the peninsula who will work for $15 per hour and will show up on time? (You probably do.)