Had 2 Swedish people visiting Cape Town over winter, they said it was the coldest winter of their lives...the houses have no insulation, windows &doors drafty. Average house temperature indoors approx 10-15celcius.
My own apartment is so heavily insulated that even in the winter, it’s almost to make the indoor temperature drop below 20!
There are obviously places in the US with far more extreme temperature fluctuations, but most of them are fully car dependent and many people living there can wind up experiencing the weather firsthand for seconds at a time (in parking lots), unless they deliberately choose to do otherwise.