housing costs and what you get for your money), as with point 1, people have different expectations. I would also recommend doing some research on the things that are more straightforward (I.e. People have different tastes, preferences, budgets, etc.
Just like you see stories about many other cities with strong views on either side, you’ll see that with SF. My advice (if this is an option, and I realize it just seems like common sense) would be to talk with people you know and trust who have lived out there.