My wife and I have about 30 cruises between us on Carnival and NCL, I really like NCL but we decided this time to go with Princess because we didn't have to fly anyway to get to the ship. 1 hour drive to the port was great.
The New Cruise ship terminal at SF is awesome except for having to wait in line outside with no cover, going to be pretty bad if raining or a cold day, luckily it was a nice day and from drop off to onboard was maybe 45 mins. We arrived at about 1:30pm.
By the time we got on board our luggage was already at our room, super fast and first time that's ever happen usually on other ships luggage maybe might be at your cabin around the time you leave a 5 or later.