I suppose the schools at 4S are not going to be much worse than those in CV.
That's right. In term of API test scores (at the elementary level), 4S schools are around 850-900. Carmel Valley schools are around 875-975.
How is the commute from 4S to downtown SD?
In the morning on the I-15, from Camino del Norte to Mira Mesa blvd, there is heavy traffic. From Mira Mesa blvd to downtown you won't see much traffic.
I guess what you are asking is: what makes CV that much more expensive ?
1. Demographic. CV is solidly upper middle class. 4S is a mixture of both upper middle class & middle class.