The entire biosphere (forests, forest-dwelling animals, ocean life, the crops we grow, us) as well as most human infrastructure rests on an equilibrium so precarious that a couple degrees in mean temperature change is going to have first, second and third order effects we can barely predict. No one and nowhere will be “sheltered” in any broad sense.
Like, increased heat is already causing rails to heat up, forcing railroad delays[1], which will eventually translate into more expensive shipping for everything. And if we start getting Wet Bulb 95 conditions[2] then an afternoon power outage in any American city will lead to a million dead (the homeless will die either way in these conditions).
[1] https://ggwash.org/view/90938/summer-heat-means-longer-amtra...
[2] https://climate.nasa.gov/explore/ask-nasa-climate/3151/too-h....