You don't say what vehicle, so I assume a TJ, YJ, or CJ.
IS it a daily driver? Would you HAVE to drive it on the coldest days?
Are the doors hard doors, Hard lower and soft upper, or all soft?
By far the hard top is gonna give you the most comfort in very cold, and if you have AC in the very hot.
Soft tops tend to crack in cold, and leak in the rain/snow.
Soft tops are better for wheelin only because of the weight.
Trying to warm a soft top in the winter, especially if you have rear passengers is on the sucky side, burns you up, and the folks in the rear freeze.
Those have been my observations.