Over 26 degrees indoors is when it starts to get unlivable and requires cooling. And without ACs it gets that hot indoors in a lot of the world and in plenty of Europe during summers, not just in tropics.
You need special attention to floor plan, facing, and to make choices that go the opposite direction of what you do if you have AC and want it to work efficiently, like having really big windows that open, several big doors, and high ceilings. These tend to make your heating less efficient, so there's that problem too.
You also need more expensive materials and different/better craftsmanship than has been commonly available to keep the house's interior finishes from deteriorating quickly when subjected to wide seasonal temperature swings. And more maintenance regardless.