No you don't win. If you leave 100K on table, you lose.
I don't want "a good salary for my area". If I'm entrusted to deliver a million dollar feature for a Bay Area company, I want the max payout for that responsibility regardless of whether I delivered it from Iowa or Vietnam.
I want to have options for my family, for myself. We want to travel the world, own a home in a great neighborhood with great schools, have experiences that few others get. And you don't get those options in life with being content with "a good salary for my area" and then denying yourself coffee from Starbucks because you're still living on a budget.