Re the fact that women don't seem to complain as much in winter...
I suspect that the worst trigger for cold in women is actually the blowing air of an A/C unit, with the actual temperature of the A/C unit a close second. I can be perfectly comfortable in terms of air temp, but will start shivering and get goosebumps with the slightest cool breeze. In winter, I'm usually covered up and blowing breeze can't access as much bare skin.
But still, when I was growing up in Wisconsin, where it's common to have your winter heater set in the mid 60s, I would wear my winter coats, hats, AND gloves all day at school. At home, I often did the same or carried a blanket around the house to wrap around myself. (Yes, I was already wearing long pants and layered tops).
This is not that unusual among women. Other women in my family regularly wear long underwear under their regular clothes indoor in their own houses if they don't keep the thermostat above 70.
I work in the British Virgin Islands every year, and while it is normally extremely hot and humid (esp in the sun), I get incredibly chilled during the occasional low pressure, cloudy, rainy day where the temp drops into the high 70s....because CHILLY BREEZE. In fact, I'm in the BVI right this second, sitting in my underwear in an un-air-conditioned-room typing this, and although our room is probably in the mid 80s, even the breeze of the cross wind and the fan above the bed is making me want to put clothes back on.