There are actually no Chili's or Outback or Applebee's or most national chains you can think of in San Francisco. You said "metro area", I have no idea what this means in this context given most people like the city itself, not the sprawling strip mall towns on the peninsula which is not San Francisco. The city limits are pretty well defined here.
My saying "metro area" was in reference to the fact that your artificially drawn tax border defining "city limits" do not mean you live in a vacuum separate from the surrounding area or that your city has a unique culture just because it doesn't have one chain or another within its tax border.
