i too live in and love the se. in fact, one time i had to venture out and go to the Washington Square mall and i nearly had a breakdown.
i live just off belmont and there really arent too many "dingy" dive bars. i mean they're there and i hang at a few, but it's certainly not what se is about. hawthorne is a bit too busy with a lot of crappy shops, but i find myself there quite a bit running an errand or hitting up powells.
aside from maybe 3 places, the food on hawthorne is horrendous:
Apizza Scholls = the best pizza in town (and the best ive ever had, including grimaldis in NYC)
Por Que No? = the best cheapish/quickish Mexian food in town from a restaurant.
Cafe Castagna = the best burger and fries in town (also a great wine list to boot).