I recently just moved to the area, not sure what to expect and hearing all kinds of horror stories about what happens when you move into the "wrong neighborhood". I'm happy to say though, that I've been pleasantly surprised by the Inner Sunset, and now every day I feel as though I picked the perfect place to start my life in San Francisco.
One thing that everyone will agree on; this neighborhood is foggy. But so most of San Francisco, and London, and Edinburgh. There's a lot more to this neighborhood than the weather. Everything you need is right here, bars, restaurants, banks, pharmacy, schools, emergency pet hospital, emergency human hospital, a gym, grocery store and a corner store open until midnight on 9th & Judah. Also, this neighborhood is incredibly convenient for transportation, public and private. I work in the Financial District, so all I have to do is walk a couple of blocks to catch the N-Judah line, and I'm in the center of downtown San Francisco in 30 minutes. My girlfriend however, works in Daly City, a few miles to south of San Francisco. She drives, and can get to the main highway in a few minutes, so she usually has a faster commute to work than I do
Of course, the flip side of this is that there is an N-Judah line train going up and down Judah Street, which can get noisy. However, I live one block away and never hear it. There are also excellent bus lines too, one of which goes directly into Golden Gate Park, the Botanical Gardens and Academy of Sciences and Haight Ashbury in less than 10 minutes.
One problem is that are there are no cheap, mainstream grocery stores. Roxie and Andronico's are great grocery stores and supermarkets, but they are also very expensive. The N-Judah line does go straight past a Safeway though, so I can always stop off there and pick up essentials on my way home from work. Also, somewhere in the area there is a group home for mentally handicapped people. While this is of little consequence, occasionally you will come across some kind-natured, though socially oblivious people in the neighborhood and more likely on the train. I certainly wouldn't put this as a reason to not live in the Inner Sunset, but it's worth mentioning.
There is an amazing Farmers Market right in the center of the neighborhood every Sunday morning (which I am almost never awake in time to go to, but when I have, it's been impressive) and this particular neighborhood does have a sense of a good place for young affluent professionals to start out in and perhaps start family here, and if you're very lucky (as I am) you might get to see the Golden Gate Bridge from your front door.