My ancestry is Celtic (Scottish on one side, Irish the other) and I have a high resistance to cold, until I lived with my partner I’d have the the windows ajar even in winter and rarely put the heating on, I’m rarely cold even when cycling long distances on days with the temperature around zero and I wear t-shirts year around, I find jumpers and shirts stifling in any normal temperature room.
I joke that my ancestors evolved for cold drizzle.