Well on the plus side, with the Bay Area, there's plenty of other relatively affordable areas to purchase if one has a car.
NYC was way...way better in this respect.
What prevents Caltrain to do better in terms of keeping up with schedule? Also, there must be a way to keep fare reasonably cheaper than cost of driving a car to work.
Me, I live near SOMA so I can stumble home when essentially everything but taxis is shut down.