Having lived in Louisiana, Arizona, Alaska and now East Texas - I can give you an informed opinion - but an opinion, none the less.
Heat deterioriates ammo more than cold. Chambering a round that had been simmering at 120 to 150 in my car in an exposed parking lot in mid-July would lead me to expect higher chamber pressures than normal when cranked off. If you have a solid gun, by a reputable manufacturer, this should not be a problem - just don't make a habit of it - especially if you use +P ammo.
I would expect the long term effect on the powder of repeated over heating and cooling would be to deteriorate the powder and thus give you inconsistant chamber pressures. I would expect (within reason, say a span of seasons) that the ammo would still go "Bang" - but some of it would go BANG and some would just go bang - or maybe even bing.
Humidity? Based on my experience with snow machines, pickup trucks and small water craft - if it hasn't been submerged, a season or two won't hurt it. If it has been submerged - a lot of hours of drying will make it a "maybe" for reliability.
All of the above advice to rotate your ammo is probably very good. At least once a year and preferably once a season. Two years in your car? All of the ammo would probably still go "bang" - it's just that two consecutive rounds might not go quite to the same point of aim.
If you have a stiff suspension in your vehicle and drive on rough road regularly - and have loads which do not fill the case - then you may be subjecting your powder to a "tumbling" action. Still, a year shouldn't "greatly" effect it (unless you're very high milage) - but rotate, just to be sure.
Just my opinion. YMMV.
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Jim Fox