My wife too suffers from the cold. It can be 105F outside and she wears a sweater. As far as she's concerned its not warm enough at 105. She doesn't like winter activities at all. My AC is controlled more down at 73. I have been thru heat stroke before and try to avoid direct sunlight hot conditions in the summer. During the winter, I'm like that lizard looking for that warm spot on a rock but if there is some open water on a cold nice day, I will find it. Thats usually Bear Lake this time of year into spring. For me, misery loves company.