We moved into a newly built house here in Central Texas a year ago. I've thought about this and wondered what our options were. While I expect the new HVAC unit to last a long time, I'm more concerned about the electornics surviving a power outage, especially one triggered by a lightning strike (had one of those earlier this month - lightning strike nearby caused the power to immediately go out, returning a few seconds later).
We turn off the HVAC during electrical storms. We've lost one unit about 15 years ago, and for the cost, I'm willing to put up with a sweaty night to be able to keep it the rest of the time without spending lots of money to repair. And the added hassle of waiting for the repair companies to get to us (as usually we weren't the only ones dealing with issues).
For the main question:
Gulf coast of Texas. Can't even imagine how anyone could live here without A/C. We have slowly acclimated to higher temp/humidity in the name of saving both money/environmental impact, so the temps I'm seeing on average are shocking to me. Not saying that as a judgement; just amazed at my own household being comfortable at the levels we set things. We have to bring in jackets to most stores because it feels like walking into a freezer.
A/C is off or set up to 84 during the day to cut humidity. Unless we're doing lots of movement inside, then we'll set it down to 80 so we don't get overheated (housework/exercise). We use ceiling fans to circulate air, keep window coverings closed, planted shade trees to help. Set to 78 at night, sleep with fans as well. Unless someone is sick or otherwise feeling badly, the A/C is turned off from morning around 7am to noonish until the heat gets too bad.
Winters are mild and we see below 40F temps rarely. We have gas heat, but rarely turn it on. Did not use at all last year. I think the lowest we got was 60-ish inside (it got to the high 40s outside). We did set it to 60-62 one year we got actual hard freeze warnings over a 4 night period many years ago.
We LOVE the cold, and I have a lovely collection of blankets/quilts and long sleeved/sweaters that are greatly neglected. I grew up much further north, with a dad that threatened any kid that even looked at the thermostat, and still hear "if you're cold, go put on a sweater or do some work around the house - you'll warm up quick" in his voice.