I like tkamiya's approach that he uses in central Florida.
A few years ago I used the cold six pack cooler with frozen water bottle method. One time I got home and forgot that the camera was in that cooler. It stayed overnight. The next day I noticed that some humidity had worked its way into the camera's viewfinder system (Nikon F2). I was really distressed about that.
I left the camera out in an air conditioned, dry atmosphere for several days with the lens off. The humidity left without harming my camera. But I learned an important lesson. Never, ever do that again!
I have also observed, as mentioned above, that fogging can also happen from a cold camera being introduced into a warmer, humid environment. The camera can be perfectly dry and cold, but when put into warm, humid air, the water in the air will condense onto the camera and lens.
My approach is simply to never, ever leave or store a camera in an environment where I am not comfortable myself.
If I absolutely HAD to store it, I would use the styrofoam enclosure path, same as tkamiya does in Florida. Lots of styrofoam, no cooling, and not much time for heat to get to the gear and film.
Film is very susceptible to heat damage too. If it is stored cooled it should be allowed to come up to ambient temperature before breaking the air tight seal. Cold film can have condensation form on it too.