The only time I've ever been to somewhere cold was when I was training for work in Greenbay, Wisconsin - Man it's too cold for this tropical kid - It was around +40 outside and everybody was in shorts - LOL
I spent almost 3 months in Chicago over the winter of 96-97.
It was often 0 without wind chill and -50 with windchill.
After 2 months of this, it hit nearly 50 one day without any wind.
We were all running around in shorts and t-shirts.
None of us were particularly cold.
You adapt to the temperature.
I would never run around in shorts and a t-shirt here in so-cal when it's only 50.