and by "older people" i dont mean elderly, i just mean fully fledged adult age, say, 25 + compared with people younger than that.
example - i remember, at the age of 21 going out clubbing on new years eve wearing nothing but a bikini top, mini skirt, white furry boots (dont ask) with just a coat slung over the top. i honestly barely felt it. i just did not care about about freezing cold weather and was rarely properly cold.
nowadays its a different story, my heating is literally on 24/7 in the winter, and while its this cold i literally hibernate in the house, i only go out for the school run or if i REALLY have to. and i am dreading tonight, as i am going out in town to see a band with DP and am wondering if i can get away with jeans, boots and a jumper. with a coat on top. 
or maybe i am just a wuss in my old age (31) :o