Exactly. SF is expensive, but it's going to take a hell of a lot more than ~$1k/month disposable income for me to give up what that amount buys me in quality of

Exactly. SF is expensive, but it's going to take a hell of a lot more than ~$1k/month disposable income for me to give up what that amount buys me in quality of life — for, admittedly, my definitions of "quality of life"; YM, as always, MV.