I'm an American, but....
Author is right about if you are one of those Brits who are into what I guess Brits would call "laddish/Chav" behavior. If you go to a bar and make a scene, pray you just get thrown out. If you do get thrown out and you still have your wits about you, immediately leave the area. Cops are quite likely on the way, and if they scoop you'll up you'll get a fair trial for assault/drunk & disorderly/disturbing the peace but 4+ people who were in the bar will show up to testify against you and the jury will think you're an asshole for breaking "the code" and convict you. Once you complete your stretch in county, you'll be tossed on a plane back to Her Majesty.
Property taxes can actually be written off your federal income tax, which significantly reduces the "Your property tax bill will be as large as your rent!", which is hyperbole in itself, unless you marry someone who has lived in a rent-controlled SF apartment for 10-20 years. The property tax RATE in California is pretty low, its just that when you multiply 1.1% against a $1.5 million assessed value on your house, it works out to a lot of money. If you can manage a good job and like living somewhere 50-60 miles away from the coast, then your property tax really does fade to insignificance, though Sacramento and Tracy is not truly cheap, only relatively so compared to the Bay Area.
You can use "SF" instead of "The City", but the latter is preferred. Don't call it "Frisco" unless you immediately want to out yourself as a visitor to the Bay Area.
Using generalities, housing prices in SF are criminally insane, those on the SF Peninsula down into Silicon Valley proper and in Marin county (just north of SF) are clinically insane, and anywhere else within 5-10 miles of the Bay just plain ol' looney aunt insane. Personally, having lived in The City, I like staying out of SF for nicer weather (Real summer and fog as someone else's problem), MUCH less congestion, the presence of actual green growing things and somewhat lower housing prices.
One of the previous posters mentioned helping homeless people. A) you don't get many of those in the suburbs where I am, but you do see them a lot in the large Bay Area cities and East Bay cities that are along the Bay and B) you can help them by giving to local food banks and homeless shelters. I volunteer for Second Harvest occasionally, and within the City you can donate to places like Glide Memorial Church. That way your donation goes to food, shelter and social services for the homeless, instead of the next dose of booze or drugs.