There is plenty of live music in the Bay. Example: https://thefillmore.com/
Public Transport (or lack thereof): The Bay Area has none
Wrong. The South Bay has Caltrain, the East Bay has BART. SF has... a few systems, but mostly Muni.
Variety (or lack thereof): There is a lack of variety, whether it be in the type of people encountered, the conversations, the cities/suburbs, or the scenery.
Very untrue. Try visiting Oakland, San Francisco, Palo Alto, and Santa Cruz and see if you think they are the same.
Affordability (or lack thereof): Flimsy, modest houses cost north of a million bucks minimum. Everything that requires human labor is stratospherically expensive.
The situation is the same in NYC. Housing is expensive.