Softies - get some meat on yer bones!!!
'Cold' for me, is when the temp drops to single figures.
You see, it's conversations like this that demonstrate why you like (and can handle) the heat much more than me, not because we live in different areas, but because I 'run hot', and you probably do the opposite.
In that respect, I wouldn't be surprised if the 'tick over' level of my body temp is several degrees higher than yours, which is why despite us being similar ages, you feel the cold much more
That, and with greatest respect, you're a bit too skinny for your own good. Perhaps smoking contributes to it too, as it thins your blood.
Marco.