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dude, over all it seems like the opportunity cost for making the "wrong" decision is relatively low (considering age, employability, etc), so that might mean just going for it and trying it out.
i know for me personally, nyc is a nice place to visit, but the pace is too frenetic, and the focus too much on fin services, research, sales, trading etc. i ended up back in my comfort zone: silicon valley/hi-tech/startups/berkeley+stanford geeks/mountain biking/etc. i know most people would prefer nyc to the south bay, but everyone has to find what works best for them...
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go bears
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