I'd much rather be too cold than too hot. I love being cosy and I love making sure that my DC are cosy and comfy but I hate having the central heating on!
So we wrap up, wear layers, use hot water bottles and hot drinks to stay warm.
During the day when I'm home alone (WFH) the thermostat is set at 16°. It changes to 18 or 19° when others are home, but not for long. Our house is well insulated so it doesn't take much to warm up.
Hot air makes my allergy worse and then I can't breathe properly. I think DH has acclimatised!
Hot Scottish summers are too much for me!
OP I have a cooling towel. You soak it in cold water, wring it out, then 'snap' it. I wrap it round my neck or wrists when I'm too hot.
I think it's easier to warm up than it is to cool down.
I'm obviously made for cooler climates. I love it when it's cold outside! I love being able to wrap up, go for a walk and not overheat.
I too get a cold, runny nose but that's ok. Easy to sort.