"The coldest winter I ever spent was a summer in San Francisco" - Mark Twain
SF can get downright cold, depending on where you are. The west side of the city, closest to the ocean, gets cold and foggy quite often, and the beaches aren't all that warm. (Although a sunny day on Baker Beach can be glorious, despite the hideous nudists...)
Some neighborhoods are shielded from this constant fog and wind. Those would be Alamo Square/NOPA, Hayes Valley, The Mission, and SOMA. But looking for a place is much farther down the line for you.
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