Depending on where you live, it's expected that one would be adapted for that climate. In Texas, I like temperatures between 75° and 95°. Any hotter than 95°, and I won't work outdoors. Any cooler than 75°, and I am covering up.
My husband will wear shorts and a tank top when it's 50° outside, and wonders why I put on a jacket. He is only 2 inches shorter than I am, but also outweighs me by 35 lbs. He has more of his own insulation than I do, and wonders why I don't like the cold as much as he does.