Clearly different people have different tolerance for heat vs cold. I absolutely hate being cold, and would never choose to live in a cold climate again. To me, Southern CA with its Mediterranean climate is a bit too chilly. Winters can have stretches of weeks where the temperature isn’t above 65, and with the Pacific breezes, it feels really cold. And the ocean never gets much warmer than 68. Beautiful to look at, but not fun to swim in and there aren’t many days that it’s comfortable to be on the beach in a swimsuit.
DH and I would both prefer somewhere warmer, where we can wear swimsuits or shorts most or all of the year, and where we can dive or snorkel or swim in the ocean comfortably all year. Unfortunately places that offer this also have hurricanes.