100% on point. That's why I'm insanely happy to live in St. Louis now right as our kids were born one mile from grandparents. We avoid most of that stress. As long as you work at a thriving place it feels virtually no different intellectually than SF. After all think about how many people you interact with meaningfully day to day. Seems like most people's work are little bubbles so the city you live in isn't super relevant.