Unless you want to be increasing your net worth. It's certainly a matter of opinion, but I think if money is your priority, you're much better off in the wop wops making $120k/yr with little to no debt.
Your net worth difference between those two scenarios hinges almost entirely on how your real estate purchase in the Bay area changes value. (You are highly leveraged and concentrated in the Bay area home ownership case. That can cut both ways.)
