Let me put it this way: needing to counter an anecdote with your own comes across as unsympathetic at worst and apathetic at best. “Yeah that happened to you, so what? It doesn’t happen to me!” kinda vibes.
It happens enough that too many people have these stories about San Francisco. They’re the kinds of things that can happen anywhere, but San Francisco is one of the places where it is talked about as happening a lot.