Internet access is highly competitive and is thus pretty cheap too if you shop around. Groceries are considerably more expensive here, though. Some people have the mistaken idea that it's warm and sunny in California. While that may well be the case down south, San Francisco is a whole different world. There are distinct seasons.
Winter is cooler and rainier.
Summer is cooler and foggier. The spring and fall are the warmest, sunniest times. Of course, there is also dramatic variance in climate from one end of the city to the other. And the farther you venture from the coast, the greater the extremes. Yes, the water in both the Pacific Ocean and the San Francisco Bay is always cold.