What good is cream cheese without bagels? The folks at Tomales Farmstead Creamery had the cream cheese down but couldn’t find a worthy bagel to spread it on. At least that’s the nickel explanation for their leap into the bagel business, with an ambitious new bakery-café in San Francisco. The sprawling former factory they rented was big enough for a little cheesemaking, too. So now San Franciscans have their own urban creamery whipping up cultured butter, cream cheese, quark, ricotta and ghee. Plus warm bagels. And craft beer. Hungry yet?