For me it's always mornings in Europe, around 7.00 UTC. It would be interesting to see the difference in strength between players from different time zones as well. I have a feeling that 1500 from India or Phillippines is not the same as the same rating from the US or Europe. You never get the chance to face somebody in a different time zone with the same conditions. When I wake up and still fresh, you might be playing late night, and the Phillippino guys are tired from work.
Best time to play?
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I really do not care about chess.com points. However, if I want to rack up points, Saturday night is perfect! *
Ratings are meaningless! However, I play chess to create art. Do you?
In otherwords since you know that you will never be a GM, why not take chances? I play boldly. Occasionally, my game is a brilliancy! I print it. That is my reward. Creating art!!!!
* Most of them are drunk.