I live in SF and have both a personal commuter bike, and a BABS membership. When I factor in the convenience of not having to do any maintenance on the BABS bike, don't have to worry about fixing any flat tires, don't have to worry about theft (a big problem in SF), and can quickly dock a bike where I'm going, $88 a year feels like a very good deal. The only thing preventing me from going 100% BABS is the network of stations in SF is very sparse and located mostly downtown (see: https://twitter.com/ptraughber/status/388368763281625089).