I'm personallly biased towards lower cost areas, the same funding slug buys you more runway. Being in michigan I'd say Detroit ISN'T on my top list of cities to start in, I find Ann Arbor to be more expensive but offers better quality of life and is right next to a major univeristy. Grand Rapids is cheaper, and has StartGarden.com that is trying to build a whole ecosystem.
You can rent an apartment for the cost of monthly parking in SF :)
I recommend Boston.
Oakland County has some of the richest cities in the US (a lot of old money) so you can easily find a nice city around Detroit that will be cheap and still very protected.
The truth is that unless you're part of the drug trade or other nefarious dealings, you're usually pretty safe. I can't speak for Detroit, but I'm always suspect of these stats.