For myself as soon as it gets below 65, I’m cold. I am from upstate New York so 7 months out of the year I’m generally cold. Most of the time I’m freezing you would say. So are use hand warmers because I still have a feeling in my hands and I dress in layers. Always a hat below 50.. It doesn’t stop me from doing any of my normal activities. Staying active and keeping your mind alert is definitely a plus.
Of cold where you live a hot water bottle only thing that would reward up my feet in Kansas City.
I moved from US to Colombia as cold take big toll on my body.