hmm.. I grew up in Minnesota (too cold) then moved to Arizona (too hot), then Oregon (too rainy) so now I'm in California and it's just right...ok..ok, so that was a little too "goldilocks" but i think I'd prefer to be too cold, you can always cuddle up with a blanket and loved one.
I *hate* cold. I lived in Minnesota for 19 years, Montana for 2 1/2, and I hate cold. Much rather be hot, just lay around, drink cold things. I still drink my pomegranate tea lattes even when it's 80 degrees.
Everybody always says you can put more clothes on to warm up but that never works for me. I'm cold and I stay cold. Yuck. Give me heat!
I pledge allegiance to the Earth, one planet, many gods, and to the universe in which she spins.
Okay, now my answer. I would much rather be too hot. I live 10 minutes fron the beach so I can drive there and it's a good 10-15 degrees cooler. And if I jump in the ocean , it's a good 30 degrees colder.
When I am cold, I cannot get warm. I remember skiing in almost blizzard conditions one year . I was determined to stay out there and had very good clothing, but I was still getting soaked to my core. When the wind started to blow me UP the mountain, I knew it was time to call it quits for the day!