In the Navy we used to call this a ramp strike, a far more serious beast than a typical tail strike. Question is why?
I wouldn't immediately rule out a BA38 type scenario. Sure it's different engines and a warmer cruise - but BA38 wasn't meant to happen either, could be a new and unwelcome data point.
Visual approaches into SFO can be "sporty" for a big jet and a tired crew. Add that to no PAPIs or ILS GS; or much hand/ visual flying currency and an "interesting" approach is certainly possible.
Don't see how briefing TCH is of any use at all on a visual approach (not too sure it's of any use anyway, I use the window).