I'd live in San Francisco proper. Despite the bummage I love the city.
La Jolla is nice, but a lot of a-holes live there.
Flagstaff is a cool little town but grossly overpriced and it's too remote.
A lake house on Lake Winnipesaukee would be tasty but winter sucks.
Corpus Christi has some beautiful homes on the bluff overlooking the bay but summer sucks.
So my fantasy retirement triangulation would be San Francisco from March-June, New Hampshire from June-late September, Corpus from October-March.
Reality? I'll be stuck in Hellhole. I'll just comfort myself with the fact that we're entering the brief period each year when we have San Diego weather.
If money was no object, what would your post-retirement life look like? I am leaning towards buying an RV in 20 years to escape in the summer. Some like to mock this lifestyle, but I think it would be great to be mobile.