Really? Try sleeping outside in New york or Chicago in December. Or during the summer sit outside in Miami or Las Vegas.

I have no idea if weather is a thing with this but I always thought you'd see a much larger population in LA, San Diego, and other places which pretty much have perfect weather all year. And although you see homelessness in those So-Cal cities it isn't rampant like it is in SF, Seattle and Vancouver.

SF stays manageably temperate, while LA & SD get really hot for several months. If SF is too cold for a day, you can go hop a ride on bart and hang around the warmer east bay for however longer you want to.

Getting only down to 50F max and having a 60F avg temp is easily solved by a sweater. 80F+ is solved by an AC, which is a lot more work.

The weather is nicer in Southern California, but you pretty much need a car to get around. SF is only seven miles wide, so you can pretty much get anywhere in the city within a couple hours on foot. I assume that makes things like collecting benefits and checking mail much more convenient.

Heat will kill you just as surely as cold will, and is especially a problem if you don't have easy access to drinking water.