I do find these type of threads a bit subjective - we're all different.
However...
Myself, even when a young and skinny lad, who did his paper round in zero degree temperatures (in a t-shirt, to show off tbh) and who still, in his mid to late forties, would be in the lowest 5% of people who suffers with cold, would like to see the cold weather 'heroes' on this site, aged to octogenarian status and see how they would cope?
Myself, I think these people are laughable - I know how elderly people really suffer with the cold.