One thing to keep in mind about the Bay Area 100k+ starting salary, is its also going to increase your cost of living by a pretty high factor.
Aside from that, speaking as somebody who has spent the last 4 years at a startup, you're going to get a much better opportunity to wear multiple hats and learn new things in the smaller setting. You'll also get the experience to witness & participate in a growing company, which will be invaluable to future employers. Experience isn't just about the years you put in, its about what you're exposed to and learn.