Triple. No hesitation.
First off, coats are heavy and stupid. Breezy linens all day every day.
What food you going to grow in below freezing temps? Millet, sorghum, rice, grapes, tomatoes, onions, garlic -- all already grow in triple digit temps. I'm eating well.
Natural evaporative cooling is easier to achieve than burning slow-growing resources for heat daily. Millennia-old technology exists to handle high temps.
More people live in the Sahara than the Arctic. I'm not a penguin, no matter what the other kids said in school.