It's 55-60 here and I'm cold
That's why I don't move. Originally I'm from Asia, so it's a lot more hot over there. When I visit in December I'm wearing short sleeves and everyone there is long sleeve/puffy jackets.
But to be fair, when I was in New York and it was cold enough it snowed a little, winds blowing 20-30mph
I didn't feel it was that big of a difference, after a certain point it's just dang cold