>As far as addressing counterpoints, I've grown tired of quibbling. I think that you can live comfortably spending 66% of your income net of taxes per year without any undue effort if you make $80k a year in SF. I think anyone who looks into it would find the same to be true. That's my last word in this conversation.

That's fine. As long as you can admit that you are just arm-chairing it and haven't actually had to live under those restrictions.