I am now sitting under a tree, after biking in 85 degree weather in July on the east coast. I’ve also biked in 90 and 95 degree weather.
And I don’t feel hot at all. Going outside might seem unpleasant, but once you’re out there, it’s not just fine, but refreshing
I don’t know exactly why, but it’s probably sweat, clothing, basic metabolism, and basic psychological facts (perception is often triggered by change)
Likewise, I bike in cold weather (all 12 months on the east coast). I think it is pretty established that this is both tolerable and healthy - ie it’s a mild version of the people who swim in freezing lakes in the dead of winter
And keep in mind I worked in an office my whole career, and have never competed in a single sporting event in my life (although I do like some sports)