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I think you’re underestimating the number and quality of restaurants that are easily accessible in say a mixed used NYC neighborhood vs what’s within a 30 minute drive of a Houston suburb. Especially if you aren’t a fan of the midrange chains that seem to proliferate in sprawling areas for whatever reason.

Around here, the fancy restaurant has a boat dock. The people with money have boat docks. You don't walk to the restaurant! The dress code probably doesn't include SCUBA, especially if dripping wet.

I dunno about other places but I can get to everything within ~10 min bike ride in SF. I have a car too for longer trips but I really don't like driving and enjoy the side effect of free exercise. It's not for everyone, I'm sure people with kids and people in non mediterranean climates might find a more car-centric lifestyle more comfortable