I don't remember being cold while growing up in Missouri.
Then I moved to Florida, where my blood thinned a little over a 20 year period. I became more concerned with keeping cool. (Mulder commented that I'm a 'body heater' when we first cuddled after sex.)
I lived in Montana for a few years and I discovered my circulation wasn't up to snuff - no matter what I wore, my hands and feet were ALWAYS cold. My hands would be so cold they felt like they were BURNING. (Luckily I worked at a diner at the time, so I put my hands in the conveyor-belt toaster to warm them.) But I'd wear a 3/4 length coat, gloves, hat, scarf ... and then be totally overheated whenever I walk into a building or walk around.
Back in Florida ... this year we've had temps in the 50's and 60's this winter and I'm totally loving it while everyone else are in puffy vests and hoodies.