I suggest SFBA since you are young and without a family. You will have plenty of options from being a founder to an early stage employee at a startup to joining

I suggest SFBA since you are young and without a family. You will have plenty of options from being a founder to an early stage employee at a startup to joining a pre-IPO unicorn to being a cog in the wheel at AppFaceGooSoftFlix. All of them can be great for you depending on how hard you work and how frugally you live. And yeah, the area is expensive but you can also make a lot of money. So your net savings should still be more than many other places (esp. if you are not working at an early stage startup).