I grew up in the Midwest, where we had all the seasons and often fairly bad summers (old people die if their air conditioners fail) and winters (can't leave the driveway without 4WD). Still, in San Francisco, I am personally uncomfortable due to weather far more often than I ever was in the Midwest. This is due primarily to the lack of air conditioning in housing (I have bay windows constantly open and a fan directly on my desk and bed, and am still almost always hot, often to the point of having difficulty sleeping for long stretches in the late summer), the lack of air conditioning in my office (an older building in the financial district), and being improperly dressed outside due to the lack of predictability in the weather. I really dislike San Francisco's weather, not because it looks bad on paper (it obviously looks great), but because it causes me discomfort much more frequently than I was used to in the Midwest.