The NYU program is actually a good program, but yeah, kind of a cash cow. But definitely better than the MA at SFSU. My question is: why didn`t you apply to PhD programs in the first place? PhDs in philosophy usually have the master`s built-in and usually come with solid funding packages... While having a master`s is a great way to demonstrate your research skills when applying to PhDs, one thing to keep in mind is that since PhD program usually include coursework related to the MA program, chances are you won`t get many course credited toward the PhD...
In any case, NYU carries much more weight than SFSU for the PhD.