The SF apartments I lived in for a few years would have been unlivable without A/C -- indoor temps would exceed 80F often. Not sure if it's because multi-story buildings don't get shade from trees, or something else.

Ah, 80 degrees seems like a normal living temperature to me and I would not make any effort to reduce that. But even in PA the temp doesn’t get even that high for long.

I lived in SF for 20 years and never once used AC. Heating, on the other hand, I used every winter. But temperature is very subjective.