Nor are SF's roads and bridges really all that complex. Pittsburgh, Pennsylvania, has 446 bridges, and is one of the cheapest cities to live in in the United States. Maintaining two big bridges just isn't that complex, certainly not enough to explain a 10x factor in the cost of living. Sure, SF has a high minimum wage for construction employees, but so does California in general. And somehow it is not that expensive to live in Fresno or Sacramento.
If anything, rural and suburban areas tend to have to maintain more infrastructure per taxpayer, since people are more spread out.
Of course, compared to Silicon Valley, even the suburbs of Tokyo are indeed densely packed -- but then, Tokyo also crams in something on the order of 7x more people into the same area.
I would. Working around a couple centuries of existing infrastructure, dealing with the issues regarding vastly limited space, and of course having to stay compliant with California's ever-changing and ever-more-expensive environmental regulations -- pfft, 10x easily.
Systems get more expensive as they get more complex. Car repair is a salient example.