Hi there, I'm assuming that this is your first time to SFO. If so, here's some info...
Both the usual approaches to San Fran, regardless of whether the Bay Area airports are in "West Flow" (i.e. normal ops, landing on the 28s), or "East Flow" (landing on the 19s), are over the Bay itself.
Don't be surprised if you get a "wet feet" feeling on short final

.
This is a pic of the airport from the air, flying downwind:
http://pics.smashing.net/p1935329.htmlThis is from a sequence taken from a seat on the right-hand side of the aircraft. You often don't get to see much of the downtown area, but you do get a nice view of the coast.
The airport is in the middle left of the picture, and the runways are in a "crossed" formation. You will land on one of the runway ends poking into the water.
In almost 6 years of regularly flying into SFO, I've never done an approach to the 10s or the 1s. They are surrounded by high-ground, and don't have any ILS. There are some published non-precision approaches to the 10s, but they are seldom used. The weather in the Bay Area has to be really screwy to make that happen!
Now, this won't take away the feeling of seeing it for the first time, but here's a nice pic or two of the Golden Gate bridge from the air (These are from a sequence taken from the left-hand side of the aircraft):
http://pics.smashing.net/p5150911.htmlhttp://pics.smashing.net/p5150913.htmlFinally, a wider shot further out in the approach:
http://pics.smashing.net/p5150908.htmlOakland and Alameda in the East Bay are in the left centre. San Francisco itself is dead centre. In the bottom foreground are the Marin Headlands and the towns of Sausalito and Tiburon. The Presidio of San Francisco is the green area in the right centre, next to the water. The Golden Gate bridge is just coming into focus, joining the Presidio and the Marin Headlands.
Cheers,
Mike
(Footnote: When one major airport in the Bay Area switches runway direction, all the others must switch too - this primarily covers SFO, OAK and SJC, but most of the minors will switch as well. This is what is meant by West/East Flow. Different arrival and departure procedures are used, dependant on flow.)