yup, with daycare costs we're technically top 10% and still kinda hand to mouth in a MCOL area.
Groceries are about the same price. More expensive for some things, cheaper for others.
Health care's more expensive here, with lower quality, because it's a flyover red state.
HCOL only seems to apply to housing. Everything else is about the same or cheaper in "HCOL" cities. May not hold for other smaller/poorer cities, but very much does for ours.
"$30+ pizza and $18 burgers" doesn't say much when you consider that there's a huge price/quality range between basic and premium offerings. For instance, a $18 waygu beef burger at a gastro pub doesn't seem very out of place at all, but a $18 mcdonalds burger would be outrageously expensive.