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Fresh, whole bananas are the correct choice as they do not need refrigeration. Bananas are tropical fruits that continue to ripen after being harvested. When stored at room temperature, they maintain their texture and flavor. Refrigerating bananas can lead to darkening of the peel, although the fruit inside remains edible.

In contrast, cooked chicken, milk, and steaks require refrigeration to prevent the growth of harmful bacteria. Cooked chicken should be stored at safe temperatures to maintain food safety and hygiene. Milk needs to be kept cold to prevent spoilage due to perishable dairy components. Similarly, steaks must be refrigerated to inhibit bacterial growth and preserve the quality of the meat. Keeping these items at appropriate temperatures is crucial for food safety, while bananas can be stored at room temperature for optimal flavor and quality.