The most overrated and underrated climate types

Mighty thanks for clarifying further—I have now removed continental Dfa/Dfb from my overrated list. In general, I reckon that climates with summer precipitation maxes, or just dry as a bone all year-round, tend to be overrated by the public..."perfect beach weather" etc. Continental Mediterranean (Dsa/Dsb) is a severely underrated climate; the general public seem to be allergic to cold and snowy winters—unbeknownst to them that snow is actually healthy for the environment (nothing retains soil moisture better than snow, from my own grazing experience).

Overrated: Dfa/Dfb/Dfc/any variation of these
Underrated Af/Am/Aw/warmer Cfa/Csa

I'll concede that the UK's climate is definitely overhated, with epic winter mildness for the latitude.  (London has the same January mean as Raleigh, over 15 degrees farther north!)  But as someone without your same condition that prevents you from liking heat anymore, I would still find the summers unsatisfying.  I'd need to take a couple weeks off and go to southern Spain or Greece if I lived there!

Overrated - Tropical climates, especially ones that are relatively wet like tropical savannas, are definitely overrated. Many people romanticize about the tropics and living in the tropics. While I agree that they’re fun for vacation, I wouldn’t want to experience a long, hot, wet, Miami or Darwin style “summer”. Most people who envy tropical climates have probably only been there on a beach vacation during the warm, dry season, which while fun, neglects the fact that these places experience horrible, mosquito-infested, sweaty, summer wet seasons. Likewise, hot deserts are enjoyable to vacation in, but getting less than 10” of rain per year would be pretty boring, and while I love dry heat, having it in the 100s every day for months on end isn’t exactly my cup of tea. Finally, it goes without saying, that any cold, snowy climate is overrated by weather enthusiasts, though they are properly rated and seen for the shit heaps that they are by the general public, to a widespread extent. Also, monsoonal climates are very overrated by weather enthusiasts, but at least the average person is wise enough to not want washout summers.

Properly Rated - Mediterranean climates are correctly rated by the general public, who generally see them as paradises just like they actually are, because who the fuck wants rain ruining their summer plans? Also, I’d say most people rate semiarid climates as decent, they’re not horribly dry and boring like their desert counterparts.

Underrated - Oceanic and subtropical climates are very underrated, as they’re disliked by both the general public and weather enthusiasts alike. The general public dislike oceanic climates for their perceived raininess, and weather enthusiasts for their “gay”, that is to say unextreme, winter and summer temperatures. Both neglect the fact that these classic oceanic climates are comfortable year-round and often only receive a moderate amount of rain, with summer often being decently dry. The same goes for people’s hate of subtropical climates, neglecting that they have only a couple, at times humid summer months, while being very comfortable the rest of the year. Many subtropical or warm temperate climates have decent summers, often presenting uniform precipitation patterns across the seasons with oftentimes long dry, comfortable stretches of spring/fall weather interspersed with interesting rain/storm events.

People who have never lived in a full blown tropical monsoonal climate completely under estimate the shear awsomness of such a climatic regime. Its not just as simple as wet and dry. The local Indigenous Peoples of the Top End recognise 6 seasons during the calendar year and they are spot on !.
There is simply no comparison to a Northern Monsoon in full swing.
Then someone turns off the tap, the clouds disappear and 4 months of clear sunny skies, seemingly tailor made for all sorts of outdoor and sporting activities.
And just when you start to think,'wouldn't mind a drop or 2 of rain....' along comes the epic thunderstorms....again !
Moonsoonal climates are greatly underrated by the great unwashed....

Here is a snapshot of 4 truely epic Darwin wet seasons.

Roughly ordered from most underrated to most overrated:

Underrated:

Cfa/Cwa - has a reputation for humid summers, but the summer rain usually keeps it from becoming very hot. Warm summers and crisp winters with a mild spring and fall. Plus the southern hemisphere versions of these climates have more moderate summer heat and humidity anyways.

Dfa/Dwa - while I don't like them very much, they're generally not as bad as people think, since the variability and extreme seasonality is interesting and usually means there's some nice months with the classic four-season weather and scenery. Of course, on the extreme cold end, climates like Harbin are every bit as bad as people make them out to be.

Neutral:

Cfb/Cwb/Csb - the mild ones are pretty nice (e.g. SF Bay Area, Porto, Auckland, Kunming), and the chilly/cloudy ones are mediocre, something most people would agree on. Melbourne specifically is underrated though.

Tropical highlands - mild temperatures year-round with wet and dry seasons for contrast, quite nice both in my opinion and the general public's.

Dfb/Dwb - most people hate these climates and I agree, given the long winters that take forever to warm up and unsatisfying summers.

Csa - similar temperatures to my preferred moderated Cfa but with a summer dry season. The dry ones are overrated but the wet ones (e.g. Naples) are neutral, maybe even slightly underrated.

Tropical lowlands - would say it's close to overrated but it attracts some very polar opinions. People who like hot weather love it, people who don't hate it.

Overrated:

BWh/BWk/BSh/BSk - often praised for being dry and usually sunny, but that's boring and I'd miss the cozy rain days and lush environment.

People know what they like, so I think most climates are fairly rated. I don't want to inject my personal preferences into discussing what others like or don't like.

That being said, I think the cool-summer Mediterranean climate (Csb) of the Bay Area, while deservedly praised, is a bit overrated. People tend not to like heat, especially not in the Bay Area, but having a hot summer is a blessing in a Mediterranean climate. Hot summers are good for swimming, and also growing Mediterranean fruits like figs, grapes, olives, etc. But since people tend not to like hot summers, having a cool summer would not make the climate overrated.