The exodus of middle class Black and Hispanic people from high cost urban areas drives some crazy income distributions in places like San Francisco: https://statisticalatlas.com/place/California/San-Francisco/.... If your apartment building, restaurants, etc., are places mainly populated by those making over $100k/year, there will be a vanishingly small number of Black people in those places. (See table 10). Contrast somewhere like Atlanta, where a third of households making $75-100k/year (a very comfortable income in that city) are Black.
The main issue is the cold. You have 3 months of amazing summer and 8 months of cold with two weeks of spring and fall on either end. If you're not from the Midwest, it can really wear on you and bring you down.
Getting robbed at gunpoint isn't. That's the real Chicago you have to contend with.
Your experience will vary greatly, depending on which areas you visit.
It also has more than triple the population of SF, or twice as many people as SF+Oakland combined, so any absolute (as opposed to per-capita) numbers aren't comparable.
In Chicago you were able to afford to live somewhere isolated from the reality of most Chicagoans.
In San Francisco you have so thoroughly priced everyone out that there isn't anywhere for the lower classes to go and so the bullshit is everywhere for everyone to deal with. Boo hoo.
Also, though I did own a car, I really only used it on weekend trips out of town. If I had stayed long-term, I would have sold it, because it's expensive to own one there (parking is expensive unless you want to gamble on finding a spot on the street, and there are extra city taxes on gas and registration). Chicago is pretty walkable and has usable mass transit.