"I think it's far from all personal choice"
When I said "personal choice" I was meaning things like 'house with garden' and commuting time/distance/mode rather than using money (mortgage) to 'get what you want'.
If money really wasn't a consideration (but you still wanted to work in Edinburgh) I'm sure some people would choose Dick Place others would go for a whole house in a New Town 'terrace', suburban Barnton - especially the streets on the way to the golf course path - would appeal to some while 'proper rural' (Lothians/Fife) would be another "personal choice".
But away from that financial fantasy, there are still areas where some people will make 'sub-optimum' decisions based on lack of information or wrong assumptions - buses too slow/too far to cycle/it's cheaper by car (to mention a few random ones).
Realistically bus travel is cheap in and around Edinburgh - though at capacity on parts of some routes at commuting time. Using cars is still too cheap/easy to persuade many people to look at the alternatives.
Cycle facilities are too inadequate to encourage mass modal shift.
Real incomes aren't rising for significant numbers of people and mortgages are harder to come by than a few years ago - so options/choices are probably more restricted than most people would like.