As someone who lives in an unreasonably hot climate I have to say being too cold is better.
Where I live it gets really hot and really humid. (100+ degrees F.) The problem is that as it gets colder you can continually change they type and amount of clothing you wear. When it get hotter, there are limits to the changes and amount of clothing you can remove. (And when it's a humid climate then sweating no longer fully functions to keep you cooler). You first run into a social limitation of the minimum amount of clothing. Then you hit a physical limitation on the amount of clothing. On the worst days of summer where I live I've wanted to remove my skin it was so hot. I clearly could not do this. On a cold day wear several layers of thermal and water/wind-proof clothing and you can more or less function normally.
Where I live it gets really hot and really humid. (100+ degrees F.) The problem is that as it gets colder you can continually change they type and amount of clothing you wear. When it get hotter, there are limits to the changes and amount of clothing you can remove. (And when it's a humid climate then sweating no longer fully functions to keep you cooler). You first run into a social limitation of the minimum amount of clothing. Then you hit a physical limitation on the amount of clothing. On the worst days of summer where I live I've wanted to remove my skin it was so hot. I clearly could not do this. On a cold day wear several layers of thermal and water/wind-proof clothing and you can more or less function normally.