It is not necessarily fixed - my temperature preferences have changed over my life and depending on location.
I used to never feel the cold. My folks kept the house around 20 degrees Celsius, and all through (Canadian) winter I would leave my bedroom open and walk around in jeans and sneakers and only complain when it got to minus 20 or so out.
Then I married an African, a skinny one to boot. In the winter he wore three pairs of pants (indoors, starting in November) and couldn’t get the inside temperature warm enough, and slept under piles and piles and piles of blankets, sweating happily.
I never got quite to that point, but I certainly started feeling the cold a LOT more when I was living with him. No longer do I leave my bedroom window open all winter and I now have several sensible insulating undergarments that I hadn’t even considered in the past.
It also depends on the type of cold. In England a number of people said to me “You Canadians always complain about the cold in this country!” Because it’s a different cold than what I’m used to: damper, for one thing, and my usual coping techniques (plentiful hot baths, central heating) weren’t available. So often I felt colder than in Canada, even though the actual temperature was probably higher.