**Perception** is a big one because it varies for everyone and is greatly influenced by what someone is used to. If they are used to the cold, they may not perceive it as being cold, only cool.
**Personal preference** means that some people prefer to feel cooler than others, regardless of how they perceive it.
**Anatomy** is different and people with large muscle mass and high fat content will feel different than a healthy weight person because they have varying amounts of “insulation”
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