Yeah that is a personal preference and I certainly don't disagree that proper clothing can make cold winter feel much better. Then again, I'll spend 3 hours straight outside in 110+ afternoons in Phoenix working in my backyard and it doesn't bother me too much since I stay hydrated, sunscreened, and may jump in the pool on occasion if necessary. The big difference to me is that warm climates don't have the other non-temperature things that get in the way when you are on foot. I'm talking about snow, icy sidewalks etc.