When deciding where to live in San Diego there are many factors to consider. Sure, you can find homes in San Diego in less fireprone areas than RSF or 4S, but then you can have other problems that effect your daily life–old homes that have not been maintained (think: termites and mold) no CC&R’s–so your neighbor, can park his truck on his lawn if he wants to–high crime, gang activity, drugs, terrible schools, and the list goes on and on.
As I’ve mentioned before, we love Rancho Santa Fe, but that’s just our preference. If someone is happy with where they live, why do they really care where someone else chooses to live?