Which is more likely to kill a colony of bees? A cold temperature, lots of insulation but no brood rearing. Or a warmer temperature, brood rearing and a high consumption of stores all throughout the winter?
Neither, if they each have sufficient stores for their particular over-wintering 'mode'. Being dry (correctly ventilated) is far more important.
Brooding during the winter may not cease totally, but will be very much curtailed - just a few larvae for the most part of the early winter. It must be so, as nectar is required for normal bee larva nutrition, copious amounts of pollen are required for growth of those larvae and there will not be so much water available for brood food unless the bees are flying regularly. The cluster will be slowly moving, so the bees will not be so stupid (well not normally) as to use stores at such a rate that the brood is left to chill as they move towards new stores.
The second question, I would say, is of little worth in this context. You are where you are and you make the best arrangements for the welfare of your bees for that particular area.
RAB