SF exists, for better or worse, in a Goldilocks zone where mediocre housing and clothing will still suffice for the climate. It gets cold, but rarely deadly col

SF exists, for better or worse, in a Goldilocks zone where mediocre housing and clothing will still suffice for the climate. It gets cold, but rarely deadly cold. It gets hot, but rarely deadly hot. It gets wet, but mostly via fog. It gets windy, but not to hurricane force. Visitors regularly get faked out by the advertised mild weather and get the experience of a windy, cold grey SF summer in shorts - which is survivable but unpleasant. You can't last the entire year that way - rough sleepers do die from exposure in the harshest weeks - but it's "enough" to have some enclosure and warm socks in the winter and some ventilation for the fall heat waves. And the constant backdrop of humidity can't be overemphasized in why it's unpleasant. Extreme dry temperatures kill you, mild wet ones make you feel dead. This may also explain the age and quality of its housing stock, which is often a combination of moldy and drafty. There isn't an incentive pushing regulation further, so the landowners have their pick of NIMBY policies that keep old stock in the mix.