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definitely any city in the Pacific Northwest. Seattle, Portland, Eugene, etc.
San Francisco is the best choice though! As Mark Twain said, "the coldest winter I ever spent was a summer in San Francisco." As a native I can tell you that first-hand!
NYC is hot in the summer, though. I think SF still fits the best. And yes, you will be able to save money by getting rid of the car and associated costs; it definitely helps offset the higher cost of living, although it will still be expensive.
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