Not usually one to complain about AI, but I felt that there was some superfluous content here - maybe the use of AI has made it longer but not stronger.
The average California tech worker maybe not, but plenty of them are sitting on $500k+ in cash with yearly incomes in that same range. At that point what does $100k mean? $100k makes no difference in the person’s day to day life. If you like the house and you end up in a bidding war, the $100k is more than worth it.