Not that she was talking about commuting to SJSU, but commuting from El Cerrito, which is even further north of Oakland, using BART and bus, about 1.5 hours each way, costs less than 10 bucks a day total (VTA bus is free for SJSU students). 3 out of the 4 semesters I was on campus 3 or 4 days a week, so 40 bucks a week at most on transportation. The library is also amazing, 8 floors, 3 are silent floors which is great for studying, every floor has group study rooms which are great for group papers, open until midnight Sun-Thurs. My point is commuting a long way is very doable so commuting a very short way is a lot more doable if you want to save on rent. Driving isn't the only option, just saying.
While time is important, plenty of people hold jobs and commute from 70+ miles out and still do fine, and yes SJSU OT has a very demanding OT program. Time management is all a part of being a graduate student. You might find an affordable place in those neighborhoods mentioned above but almost all of the neighborhoods mentioned are not that affordable without having a cramped living situation unless you get lucky and find a rare super great deal, I'm sure those are the areas you looked at when you found out that prices are unreasonable because they are in high demand between the Cal students, SMU students, and the other young professionals who want to live in those great neighborhoods. If you cannot find a place, don't limit yourself to looking in just those neighborhoods is all I am recommending because you do have affordable alternatives available if you broaden your scope. The trade off is not significant regarding time, I'm talking an additional 5-10 minutes. Walking to and from MacArthur BART station at night should not be a problem as long as you just go there and get on, plenty of people like you use it as it is a hub to get to all areas on the BART line. Now hanging out at any BART station aimlessly for long periods of time might increase your chances of something bad happening. A bike would definitely be useful and would make your commute shorter, something like 20-30 minutes on the high end.
Just check out those cities I mentioned, plenty of Cal students and SMU students do it because they save a significant amount on rent. I am very familiar with the entire East Bay, not just Oakland, so I am aware of which areas are pricey and how to get around them without sacrificing much more in the way of time. You do not have to live in Oakland and be in the immediate area around SMU to do well, 5-10 more minutes of commute time on BART and you can save so much money on rent. Piedmont Ave is nice and the actual city of Piedmont is ritzy and so is the Rockridge neighborhood. I have lived in the El Cerrito/Berkeley/Oakland area since 1987 and still live here. If I can get through my OT program commuting to San Jose from El Cerrito without a bike or a car, then you certainly can commute from the same area to Oakland and get through your OT program, I just chose the in-state tuition over a more convenient commute.
Kudos on the Mountain View cemetery recommendation, it is one of my favorite places to unwind. Great views of the bay and plenty of historical figures buried there (I'm a bit of a history buff). Samuel Merritt's tomb is actually there on Millionaire's Row, check it out if you have a chance. So are Domenico Ghirardelli (chocolatier), Henry J. Kaiser, the Bechtel Family, Charles Crocker (one of the big four responsible for the first Transcontinental railroad), among others.