Dunno about bike infrastructure in San Francisco as I’ve only been there a few times, but one variable you should mind is that South Lake Tahoe is snowy during a good chunk of the winter. Don’t plan to move there and bike around unless you’re comfortable biking in the snow.
It can be warm in Tahoe in the summer, but the snow is a certainty and cannot be avoided if you’re living there. Tahoe is usually fairly mild, or it has been while I’ve been there. It’s also way high up in elevation, which can cause respiratory problems for some until they acclimate.
Aaah! I did and instantly regretted it. That’s creepy AF.