I use all of the above because it seems like I am always cold.
I live in Texas, but for us, anything below 65 is cold😀
I lived in Ohio and Michigan for 43 years. I have been in
Texas for 30 years and I will stay in Texas. It’s hot in the summer,
but I can’t take the freezing cold anymore.
I always love a blanket in the evening and thick socks are
indispensable in winter! I don't like cold feet at all.
The temperatures are around 0 °C / 32 °F, not cold....not warm....