I like the fact that after your trip you come up with a comprehensive report. Considerably ones comfort is key. And that's the reason I live where I live. Also the cost implication too is something to think about which you stated well its "unwise" to live beyond your income its financial suicide, its like living from hand to mouth. Also u can do a scale of preference to look at things you can cut down on to afford but if it doesn't work out your decision is perfect. The language thing is workable to me. Asides that i think Hanoi is a great city.