Thank you both for your replies.
Hopefully since I have enough time before the cruise I can find a hotel in Fisherman's Wharf on a deal site.
I probably will just book through Princess based on what fieldmouse said. At least I won't have to worry about getting to the hotel and trying to find a tour and can just enjoy my time in SF. Hopefully we won't be too tired the day before the cruise and can visit some more sites as well.