A few minutes after the first photo, the afternoon sun sank below the cloud level and the whole picture changed! In the short time that the sun lingered below could and above ocean, we redid the photos, this time in warm light. What a difference it makes to go from clouds to sunset lighting. The colors are richer, there is more depth to the photo, it is far less Blah. Unfortunately in SF, the weather is most often Blah, so on those days, it's best to shoot in locations that don't rely on the sky to look good; e.g. more greenery, or buildings.