As a small person, I greatly dislike being cold. If active, one can generate internal heat while if static, say sitting at a sports stadium, ice fishing, etc, it is easy to become cold. Thin, smaller people tend to become colder more easily versus broader heavier people due to physics of mass against volume.
@hollydolly recently complained about how unpleasantly chilly her residence has become during winter as she tries to be frugal turning off usual expensive gas indoor heating. By personal choice, both my summer air conditioning and winter heating have been turned off in my 2 older poorly wall insulated story residence for over two decades now.
I use other methods like letting cool air in during summer mornings and in winter shutting doors of unused rooms. Here in the SFBA winter temps at worst sometimes will be in the 30F's for days. If so, temperatures indoors may then drop to below 50F. At times I will run a higher quality hair drier on medium to warm air. But regardless will use some of my outdoor winter clothing.
There used to be a party gift of partially filled colored alcohol within a glass container that people would hold with their hands which would cause the alcohol to expand up into narrower measurement heights. A way to measure hand body temperatures. This mr dave always made others laugh because I invariably was way cooler than others.
Of course many couples sleeping cannot stand having extended period skin to skin contact due to building warmth unless ambient temperatures are especially low. Especially if that causes clammy sweating. My experience with holding numbers of women close is gals with even same body weight/volume is that their skin temperatures vary greatly. Some women are always really warm. Women tend to be surprised finding hugging coolish me comfortable at night for hours like an octopus or puppies together in a pile, even at near normal temperatures.
This thin male at 137# and BMI 22 becomes cold easily, especially head, hands, feet. Despite that, have been a snow skier for decades, often skiing during frigid windy storms in order to enjoy fresh powder snow. I have a museum's worth of cold weather winter clothing that I also often wear at home or just outdoors walking around. The key to flexibility in cold weather clothing is layering with a good outer uninsulated robust shell. I have several tops and bottoms of various polyester fabrics. My warmest gear is an older model of the below expensive, expedition 800# down and have both down tops and bottoms.
Women's Ghost Whispererā¢ Jacket | Mountain Hardwear
https://www.rei.com/product/235299/mountain-hardwear-ghost-whisperer-down-pants-mens
For light headgear, highly recommend this lightweight balaclava at $7:
Amazon.com
For more serious weather, there are several down balaclavas on Amazon for under $40.
For footwear, there are endless outdoor down insulated boots products, however for home use will recommend something like these lightweight $24 booties. Note I get cold feet easily and hate trying to start sleeping if so:
Amazon.com
There are even more choices for warm gloves with products regularly changing. Ski clothing sites are useful. Using warm mittens with a robust waterproof shell or over-mittens on warm gloves does well even in cold wind.