Could you add NL and USA to your comparison by any chance? Just curious.
The Netherlands has rubbish weather for 2/3rds of the year and not a single mountain/hill/beach worth mentioning, but is extremely liveable. Income/CoL ratios tend to be higher than the Bay Area for a given quality-of-life, although you might be earning less in absolute terms. Cities and Towns are very well designed, even Amsterdam (outside the center) feels like a cosy village but you still get access to big-city things. Probably more socialist than NZ, with things like this happening https://nltimes.nl/2021/09/02/dutch-cities-want-ban-property...
Ultimately I can't live in a country where people are religious so that leaves only North Europe and the Netherlands is the most antichrist of them all.