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Not going to SF even for a limited time sounds a bit extreme. You can rent a cheap AirBnB and buy groceries from Safeway if you really want to control your costs. If its the homeless issue that bothers you, don't stay in SoMa or the Mission. You can actually get around the city for cheap using MUNI. Uber Pool and Lyft are also affordable options.

I think it is mostly because of traffic, lack of free parking space and bad roads. I like to drive myself and also have eating habits that require me to visit specific places only.

Is it due to the cost of living or do you just not like the city?

lol I would 1000% go to SF or NYC on expenses! Awesome places to have lots of fun; it's even more fun when it's paid for