I'm convinced that we acclimate! Last night, as I came home from the Central States Club get-together in my golf cart, I thought, "Why didn't I bring/wear my 'heavy' coat; I'm freezing!"
When I came into the house, I checked the temperature reading from my lanai; it was 60 degrees. Had I been up north [read: St. Louis, Missouri] I'd have thought, "How balmy it is!"
Of course, I've been here 8 years, so I am inclined to think that anything less than 65 degrees Fahrenheit is "cold!"
Additionally, I am pretty sure that we are less tolerant of cold as we "grow more mature," (which is my euphemism for "as we age.")
SWR