The big question really is do you drink anything worth storing? The next question is do you drink red? If you can answer yes to either, 12 is about perfect tbh, cool enough for drinking white and sparkling, not so cold that red won’t be fine by the time you’ve decanted (certainly with a quick pop into the real fridge if you prefer colder white or sparkling). If the answer to both is no 10 is about as cold as your likely to want if what you’re drinking is much good, if it’s table plonk whack it right down.
Fwiw here we’re largely red drinkers but i do like a good white every now and again.
Most white lives in the beer fridge which runs at about 7 – full size fridge freezer in the garage with all my other workshop tools ;), it’s plonk and only for mass gatherings or guests i don’t really like.
Ditto sparkling.
2 bottles of good white and good sparkling in the wine fridge at 13.
Red lives by and large in the rack in the pantry but there’s 8 good bottles in the wine fridge.
The wine fridge lives in the the pantry.
Also i really want one of those spiral cellars