San Francisco is one of the most anti-gun localities in the nation. If you live in the city limits, be extremely cautious and stay up to date on the laws as they're continuously changing. (IIRC right now there is a bill in consideration to completely ban and confiscate all guns in SF).
Your checklist looks about right to me. When transporting in a vehicle it is "ideal" to have guns and ammo in separate locked compartments of the vehicle, i.e. if you have a trunk then put the guns in there and the ammo in the back seat. The trunk is considered a locked container in itself; however, you still need to have a lockable container for handguns to transport them outside of your car across public property.
If you REALLY want the current legal details (vs personal opinion or possible outdated info from some of the third party sites) --
http://ag.ca.gov/firearms/