This image resulted from the process of demonstrating color filters to my coworker. Colors, with black and white? Of course! The rich, dark sky and bright foreground in this picture result from (digitally) applying a red filter. My favorite part of that now-visible foreground is the large Chevrolet pickup, shoehorned into a parking space on a narrow San Francisco street.
Morning sun provides very stark, even lighting across the San Francisco Bay. I know rationally that gravity forces the big body of water to be (basically) flat, but the curves of the shore and the shadows of the clouds have always made the Bay itself seem to have hills and valleys. I can also confirm that the water feels pretty far from level when actually sailing it.
Coit Tower, on its leafy green (i.e. unlit at night) hillside, makes for an odd break in the structure of the more northerly parts of San Francisco. I particularly like this short of the juxtaposition of the Tower’s aesthetic beauty with the utilitarian structures of Treasure Island in the foreground.