I think it's the opposite, the colder it is the more people heat their homes / cars / dress very warmly. They probably get the least cold exposure naturally.
>They probably get the least cold exposure naturally.
You seem to have never visited warm and cold climates...
I grew up in Toronto but I was always much colder in winter when living in Sydney. No insulation, plus vents in the walls and single pane windows mean it's warmer outside but much colder in.