There is a third option that it's real but not as bad as people make out. Like in my case the fallout is more that I'm thinking of installing aircon rather than general doom.
Climate change doesn't just make it a bit hotter at home - it corrodes the entire environment. Floods, fires, storms, drought, crop yields, etc.
It will make us all poorer and then it will start to kill many of us directly with heat or indirectly through secondary effects (including war). And we'll discover too late that our prosperity depends on the prosperity of each other and the environment.
No man is an island.