NYC is pretty much unrivalled in terms of vibrancy, culture, fashion etc . There's nothing short of things to do there. But to me it never felt like home. People there are more social, but as someone that grew up outside the States it's always hard to connect on a deeper level I feel.
Bay feels more homely, and the larger population of immigrants here make me feel more welcome. It's also easier to "stand out" from the crowd if you're well spoken and we'll dressed 😉
Personally I save more in bay area. LinkedIn provides free lunch and dinner so I only spend on weekends. In NY the company I was at didn't provide dinner so I ate out a lot. Also I went out more often so spent more money on random stuff.
Never worked in either but have visited Amazon's bay area office many times and went to school in NY. Bay area and NYC both have some really smart people. But bay area is too much tech for me. If you want to be surrounded by smart people from vibrant backgrounds like tech, finance, law, arts, marketing then NYC is the place.
So if you want to grow the breadth of your knowledge then NYC, if you want to grow deep into tech only then bay area.
If you want to work for Amazon or Microsoft then Seattle. Trust me, don't come to Seattle unless the company has their headquarters here. It's a very monotonous Amazonian or Microsofty culture here.
Broad range of options to live with sane price tags, vibrant night life, diverse and massive dating scene, much more diverse industry scene. Apart from weather which you either love or hate, I don’t see any real advantage for me in bay area