Plus, it's a lot cheaper to rent a private office than to rent a studio. I'm not sure where you'd be able to find a "private" office in SF which is cheaper tha

Plus, it's a lot cheaper to rent a private office than to rent a studio. I'm not sure where you'd be able to find a "private" office in SF which is cheaper than a studio and where people aren't going to notice that you are living there. The cheap offices are usually larger office spaces split up. I.e. close quarters. It's the neighbors you need to worry about, not the landlord. Keep in mind that a net connection is also more expensive at an office, you'll need a gym membership in order to take a shower, eat out every meal, regular chiropractor visits, psychotherapy sessions, etc. If you add it all up you probably won't be saving any money.