I think you may find it harder to relocate after 10-15 years. Your friends and community will be in SF, and leaving that, especially in your 40s can be very hard. When I moved in my early 20s, it took between 2-3 years to re-establish my friend networks and community in a new city. I would be hesitant to do that again. Kids make it even harder, as you may be pulling them away from their closest friends.