Set Point 75F
I may live in the SF Bay Area, but even when summer temps are near historical average, which is right around 80, I usually have to run the central AC because the front of the house faces southwest and has no shade, and the two front rooms, one of which has a high barrel ceiling, have big windows. It doesn't help that I'm in the middle of a small heat island with no trees big enough to shade my street, which is a lot wider than average because trolleys used to run down the middle of it.
The back of the house stays cool, so I have the registers barely open in those rooms. A split system would make more sense, but central AC was already here and is less obvious -- except for the way-too-loud fan.
Nights cool down to 60-65, so once the indoor and outdoor temperatures equalize, I shut down the AC and put fans in four strategic windows. I can sleep comfortably with that arrangement. If it's a really bad hot spell or if my buddy is spending the night, I have a small 8K BTU portable AC in my bedroom that I set to 65 so I don't have to be cooling the rest of the house overnight just to stay comfortable in bed.