I would think any temperature under our natural body temp would feel cold. To take it further, I live in the north, so 75 can start feeling hot to me, yet people in the south might consider that chilly. We both have the same body temp so how does that work?
In: Biology
The answer is because you are generating a lot of heat and you are also well insulted. It also depends on what your body has contact with. Having a breeze moves a constant flow of new air molecules around you so that you don’t have the ability to warm them up and slow heat transfer. Water conducts heat very well so being at 75° water could eventually give you hypothermia while being in 75° air is extremely comfortable indefinitely.
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