I'm Jim based in New York City. Currently I don't have great conditions for HF being in a low floor apartment in the concrete jungle that is Manhattan.
You are most likely to find me on D-STAR (1C/30C) these days via my ZumSpot 3.5 setup.
I am experimenting with HF using apartment compromise antenna's (MFJ 1622 , CHA ECOM III Base and CHA Hybrid Micro) so let's see how that goes! I have just recently purchased the IC-9700 & IC-7610 and have started to enjoy experimenting with picture mode on D-STAR.
HF is frustratingly hard (at least in the city) but I am going to push forward and try an magnetic loop antenna inside my apartment. Currently have my eyes on a Ciro Mazzoni as I tried a MFJ super hi Q loop antenna and it did not work.