"The main only has one set of reef points and a single line reef setup. Is it worth it to pay to add a second?"
"Please tell me more about danger from currents. I go under the bay bridge a lot and I may not fully understand what I should be careful of. Will a current tend to take you around an object as the water flows around it? What should I lookout for?"
Yes, there may be times you wish you had three.
Currents: They can vary in spots and can take you down onto bridge towers and Alcatraz faster than you can imagine. A little dip in the wind can put you in deep trouble fast. Suggest you give objects like that a lot of room.
Slow: sounds like it was a "fun" trip
For whatever reason my Dad hated, with a passion, to start the motor. I could never figure out why. Did your wife ever sail with you again?