Being physically active makes a huge difference too. With the same clothes I can be perfectly comfortable on a promenade at the same temperature that makes my fingers hurt typing at my desk.
My house is currently ~10C if I don’t activate heating. That’s miserable. My fingers get stiff and hurt a bit when at the keyboard. Even with 3 warm layers legs/4 warm layers upper. And I’m born and raised just a few miles from the Arctic circle.
People around me see me as “that guy who can handle any cold” and my breaking point for comfortable sedentary is around 15C.
Oh, and humidity does make a huge difference for how could absolute temperatures are experienced.
I also do not think it is possible to describe what one should feel at 10C without specifying the humidity.