Would you retire in Cyprus or Malta?

SO and I are trying to decide where to spend our retirement. We are both EU nationals.

What's important to us: good healthcare system (we are indeed retiring - paying for private insurance is not a problem if it gets you a better service), good weather, advantageous taxes on capital gain and pension.

We have a withdrawal rate of around €3.5/4k net/month and will have around 450k from the sale of our house here to invest in a new property where we will live.

We are both Italian nationals from the south, so we are indeed used to shitty driving and super hot summers (35-40°), although we could do with a slightly cooler environment.

We are also open to other countries not listed in the title if they fit within these requirements.