Hell because it's hotter. My ghost could get a tan. Also I hate the cold (I have cold urticaria) so if I was in the clouds, my skin would break out in hives. Also, hell would be full of oiled-up gay bodybuilders in denim short-shorts, just grinding up on each other in the searing heat, whereas heaven would be full of my old, dead relatives and ancestors playing golden harps.
Heaven is literally my idea of hell and hell is literally my idea of heaven.