If I could matter transport to San Francisco instantly, whenever I wanted, you'd bet I'd live in a lovely rural setting rather than some built-up metropolis.
Good point. I'd probably pick a private tropical island...
*** Or not SF, it might be Marin County, the home of Starfleet Headquarters.
According to Memory Alpha, Starfleet Academy is in Marin County (in the vicinity of Horseshoe Bay), but Starfleet Headquarters is across the Golden Gate, on the Presidio.
I was a little amused that Uhura and Chekov in 1986 had no idea where "Alameda" was, despite it being a major feature of San Francisco Bay (just a few dozen miles from Starfleet Headquarters). I suppose you could make the argument that all the names had changed by then, but it seems rather unlikely.
It could be that taking transporters everywhere (instead of actually experiencing the journey from A to B) gives you a terrible sense of direction.
Or in reality, the writers were just trying too hard to make the movie a comedy.