@Greyhound22, I was a hat/gloves refuser and as a teen etc never wore a coat. I have a naturally high body temperature and can camp, go night fishing all year round.
It looks like my grandchildren have inherited my tendencies. My eldest, hat/coat/gloves, GC is five, she's been in excellent health since birth. So has the hat refusing two year old. None of us use heating overnight. I think we are healthier because of it.
So what if you get a bit cold? It's like feeling hungry, it doesn't do us any harm. As Adults, if we are cold, we convert bad fat into brown fat. Brown fat is what children have more of, which is why they can run around in the cold without a coat on, as long as they are well fed. It was malnutrition that killed people in Victorian times, not the cold.
We've become scared of a bit of cold and hunger, when it does us the world of good.
I was one of the 70's kids who woke up with ice on the inside of the window and only one room in the house was heated.