I'm also near GG Park (94122) at 8th/Irving (a really popular area with a huge number of businesses).  I actually get faster speeds on 3g (5 bars) vs the 1-3 bars of LTE.  I just got a 5s and am shocked that this is how poor the LTE network is.  Going in to shut LTE off anytime I want to use data is a pretty dissapointing experience.  I've experienced similar issues throughout the city, quite frequently have 3-4 bars of LTE and yet data speeds of 0.25 mb/s download.  What's the deal Verizon?  Why do your coverage maps say the entire city has LTE when there are entire neighborhoods (Inner Sunset) that have LTE slower than 3g?