I've lived in SF off and on for ten years. The land is stunningly beautiful beyond compare; the food is good; and there's lots of public art. As a tenant of a rent-controlled apartment I have at least as many rights as the mortgaged owner of a condo in any other city. Unlike NYC, where rent control is an inherited privilege, here it applies to all buildings built before 1978 (~90% of the city's stock). It never snows and is often sunny. The air in many neighborhoods is clean & fresh due to the strong winds from the ocean. Californians on average are good drivers. The bike commuter lobby gets some respect from city hall.
Other than that, it sucks dogballs. The culture is smugly self-congratulatory like I've never seen anywhere else. Lots and lots of ultra smarmy trust fund man-children. The average woman is square, surly, and mannish; the average man effete and passive-aggressive. Something is badly wrong with the local education system - a fortune is spend educating the native yokels, yet they are often ignorant, aggressive, and/or openly bigoted - more so than the cheaply-educated poor folks I grew up with in the Rustbelt.
The weather is never actually "warm", the best we get is "kinda chilly". The architecture outside of downtown is hideous; and the buildings in all neighborhoods are ill-maintained. The live music scene in SF (not Oakland) is kinda lame. People from other cities - including NYC - are always shocked at how many street people we have (many/most are housed at City expense, and so not technically homeless) and how aggressive they are. The mayor is widely rumored to be a mob employee (not even the boss). The local bigmedia is crap even by bigmedia standards. Taxes are higher than Massachusetts.