I agree 100% with you about the schools problem (and I'm facing it myself.) I've lived in a number of cities and SF has stunned me at the near total lack of school-age children. It's stunning - especially in my neighborhood (SOMA) you just never see kids walking to school in the morning. This has to be the largest drawback to living in SF, and one of the biggest reason middle-income to upper-middle-income families move out of town.