And in NYC if ever I had some other obligation after work instead of my usual commute that was bikeable to. In California nearly every time an errand popped up I couldn't bike that day.
The physical reality is that 20 degrees lower isn't that bad. Humans have thrived in colder climates for thousands of years. Being a human being in a modern day NYC/Chicago winter is a cakewalk, unless you are among the small subset of people who treat anything below 60F like its a death sentence.
The initial claim up-thread was "SF has a phenomenal climate though in comparison."
Also I find that many people who proudly refuse to own a car in SF just end up ubering everywhere.
NYC is definitely more walkable--and just as expensive. Boston is about as walkable, I think (I haven't spent much time there)--and also pretty expensive!
Boston is definitely walkable. My wife and I shared a car when living there, and I'd literally go weeks without actually getting in the car (she worked in a suburb, so she needed it for daily driving). Everything was generally within 1/2 mile, including school for the kiddo, sports fields, parks, grocery, hardware, etc. Transit was also convenient and plentiful.
Some people do "Uber Everywhere", but I mostly biked/baywheels/muni.