I live in Seattle area where we rarely get snow. Even when I go skiing you don’t see snow until the last 5-10 miles. So maybe white would be best.Between choices you like equally, wouldn't it make sense to choose the less expensive option? I.e. white or MSM exterior with black interior.
In hot climates, it may be preferable to choose lighter colors. Lighter colors would also be more visible at night. With lots of snow, a car that is not white may be more visible.
How much does the interior make a difference from a heat perspective. Even with cooling the AC does black get noticeably hotter than white? I like doing summer road trips to California so if AC is enough then I’ll probably get white/black. If not then white/white.
I probably would pay for a color to be more unique.