Yes, you're missing out by not being pushed out of your comfort zone. There are many things you're not missing out on: expensive cost of living being a good one

Yes, you're missing out by not being pushed out of your comfort zone. There are many things you're not missing out on: expensive cost of living being a good one, but even living in New York I feel like I'm missing out on the challenge of being amongst so much raw talent and the dynamism / sense of possibility you feel there. It pushes you, inspires you, and keeps you from falling for your own bullshit. That said, I don't think I would live in Silicon Valley proper, rather SF where you can actually run into other human beings, which is the point. And actually I personally wouldn't live in SF either due to the lack of any meaningful cultural industries (art, music, etc.)