Yea, SF isn't really all that expensive. What boosts the overall cost of living in SF is the real estate, so if you want to buy a house, fork up half a mil.
There're local farmer's market-like grocery shops around here that you can get produce from. If you cook, meals will cost about a dollar or two. If you buy food, it'll cost 5-8 for basic stores. 9-15 for dine out restaurants. Live on student housing and it's 700-800 per month, and that includes electricity, cable, water, and ultra high speed internet. Live off campus, and it's more like 1200/mn and that includes nothing.
You can go to either school and get what you want. UCSF'll just make learning much easier. I am amazed at how ******edly easy dental school is and all the free time I have. At this time in the year, finals are coming up. I have more than enough time to prepare for them and go out to the numerous Xmas parties I've been invited to. It only gets easier 2nd year.