I did a bit of rock climbing over the years (I was a solid 5.8 - 5.9 climber).
The best thing for climbing is climbing. Women have an edge over men in that they tend to have better flexibility and since they tend to dance more they have more "foot awareness".
On a long day's climb leg conditioning is paramount. On indoor climbing it is not an issue.
Pullups, especially finger tip pullups are very good. They sell rock climbing holds that screw onto the wall (you were probably climbing on those). Get a few and do your pullups on them.
Also finger tip pushups will strengthen the fingers. The worry is injury to the fingers, but it is better to break a finger doing exercises and know your limitations than to break a finger on a treacherous climb.
Also be aware that it is very different climbing 200 or 300 feet off the ground than it is doing the same 20 feet off the ground. Make sure you are mentally equipped for this too.
I've never climbed indoors--the gyms had not appeared back then and it seems quite civilized. I always considered rock climbing (outdoors) to be quite civilized as I got to go back to the hotel and get a shower at night and I got to go out to dinner. Which is more civilized than reconsituting dried beef and sleeping in a sleeping bag.
There are many places to climb in your area:
http://www.rockclimbing.com/routes/Nort ... cisco_Bay/
Eastern Mountain Sports has guides that will take you up for a 1/2 day or a full day at a moderate cost. There are others too. Google "climbing guides, San Francisco"
The next thing you need to try is ice climbing. That is a huge, huge rush.