It also depends on what you are used to. An example is in the difference between people in Nice and people in Geneva. In Nice, I notice, people start complaining about how cold it is at 7 Celsius and soon wrap themselves up like Inuit. I've been in Geneva at 1 Celsius and the only people I saw wearing coats were a few women wearing them as fashion! Either its habituation, and 'in the mind', or the Swiss were carrying more fat that the people in Nice (which didn't seem likely)!