I live in a pretty hot climate, but it’s only really unbearable at times due to shoddy building and bad urban planning. Even then, summer can be difficult.
I can’t imagine what it’s like on the equator, especially in dense urban centres. What’s Mumbai, Bangkok, or Singapore like at the height of the wet season?! How do millions of people function day to day?
I avoid both by living in LA. We have our disasters natural and human, but our temperature is usually pleasant and always bearable.