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San Francisco. As evident from the poll results thus far, I think most people (East or West Coast) consider the Bay Area to refer to the San Francisco metro.
However, I think most Floridians think of the Bay Area as the Tampa Bay area. But outside of the Tampa metro, I don't people refer to the Tampa Bay Area as just the "Bay Area."
If you say "the Bay Area" then most people think SF metro. "The Bay" alone, is a bit too general.
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