I have both in Tennessee and it gets plenty hot here. My fridge is just an indoor under counter that I got off craigslist cheap. It works great for keeping sodas/waters/beers and grilling stuff cool while entertaining. I use it a bunch. I also have a kegerator with a triple tap that stays out year round. I will say, when its really hot the first pull can get a bit foamy but I love having it out there. I homebrew, and try to keep an assortment on tap. I have thought about rigging up a fan to blow cold air up into the tower or get one of those things that wraps around the tower to keep it cool but it really isn't that big of deal. The beer stays plenty cold, you just have to deal with a little foam in the heat of the summer.
Riles