It is not the cold/heat but the damp for me. As long as the humidity is kept down the temperature is fine.
We retired and moved to the area where I grew up 2 years ago.
A one-floor (laundry on the main floor) house and love it.
The climate changed since I grew up here (or the memory has).
I have a "climate control system" installed in the house and it is on most of the year.