RE debacle has only hit the outter lands of the Bay Area, like Contra Costa County, Antioch, etc… So it aint cheap by any standard. But it is coming down a bit now. The two biggest differences I’ve noticed having lived in both areas for many years….SF wins hands down culturally and in visual landscapes. SD wins hands down for weather and warm beaches. The rest is kind of a wash.
What’dya like more? Then decide. Sounds like you have already.