See, I feel the opposite, for similar reasons.
I'm also waiting for a hip replacement, as well as both knees.
Last summer, I was wearing elastic/Spanx style shorts, two sizes too small, to support my hips and thick, tight knee supports, underneath black work trousers and polyester tunic. Plus, a layer of plastic PPE on top.and a face mask. I do home care, so it's physical work. My (black) car was like an oven, every time I had to get in it, between visits. I limit drinks during the day, because I have to time toilet breaks for when I'm somewhere with a cleanish toilet, that the client is happy for me to use. Many of my visits are to sheltered blocks of flats, where bills are included - one gentleman has the heating on full, all year round, but opens a window in summer.
My brothers are manual labourers, so outside all day, doing physical work, sometimes up on a roof. I worry about skin cancer.
Last year was, without a doubt, worse than usual.
I'm not dreading it, yet, but I totally get why the OP is.
I'm lucky that my house is open plan, so downstairs is cold, all year round. Those in flats with no outdoor space, or back to back terraces, with no through draft, have it worse.
I felt like I was just wishing the days away, last summer, just getting though each day at work, then sitting still, indoors, in between. Too hot for DS to play outside. Too tired from not sleeping - boiler and hot water tank are both in my very small bedroom. Oh, and the stream outside dried up, and turned into thick, cracked mud, which stank, and caused to flies coming in through any open windows.
My point is, that heat like we had last year, affects some more than other. And, yes, to the PP who sneerily dismissed the 'financial' aspect - those in sub par housing and manual jobs are likely to be the less well off, aren't they?