I’d say it depends where you live. Most parts of San Diego have much less potential for a quake of the size that would damage a wood-frame house than most parts of LA. There are maps on the internet that show what the odds are of any shaking intensity (the actual strength of the shaking in a particular location, measured on the Mercalli scale, as opposed to the overall strength of a quake, which is based on the Richter scale and doesn’t really tell you as precisely how much shaking will be involved) in any location in Socal. I’d check those maps, see how seismically active your area is, and base your decision at least partly on that.
