I’m going to have to strongly disagree with you on point 4. I’ll take the weather in Detroit or Buffalo any day over that in South Carolina, and San Francisco has the best weather in the country in my opinion.
Blech. Fog rolling in over the hills and temps that vary so much you freeze in the morning and fry in the afternoon.
I lived in Monterey for a year and except for the summer, couldn't stand it either.