As @Sols mentioned, it is all personal. I absolutely HATE the hot weather, so for me it's Monaco in the winter and Davos or Bariloche in the summer, whichever is colder. Anything above 15°C is too warm for me and I'm OUT of there! I don't even wear a coat in Monaco or Davos/Bariloche. To me, Moscow and St. Petersburg are cold in the winter. I need a thick coat then.Nothin beats Monaco in EU... Just go for it. Even better is to live 6 months in Monaco during summer and 6 months in warmer country during winter.