Do people from the North actually feel colder than people from the South, or do their bodies adapt like penguins?

I’m Scottish, as is my boyfriend, and we are polar opposites when it comes to this. I much prefer the cold to the heat, and wear a skirt and tights in hail rain or snow. I like wild swimming, and get used to very cold lochs quickly after the initial “fucking hell!” I’m very pale and can’t tan for the life of me, I just burn in the sun, factor 50 is a non negotiable when I go abroad. I love walking and I walk everywhere, but if I’m on holiday I feel like I can barely walk the length of myself, and feel like I could genuinely faint at any moment. I get hot and bothered very easily. Also, this is the time of year when we barely get any real sunlight, which doesn’t bother me, if anything I get a cosy feeling from it. I prefer to sleep in a cold room under a blanket. I call myself “a genetic bog dweller.” My man is the opposite - we go abroad and he’s as happy as a big lizard basking on a hot stone. I swear he photosynthesises, being in roasting hot direct sunlight makes him more energetic, and gets a lovely tan without even wearing SPF. I bought him one of those sun lamps last year because I’m convinced he’s got seasonal depression, he really struggles this time of year and constantly moans about how dark and miserable it is and it affects his mood. He can barely get in an unheated outdoor pool in Cyprus because it’s too cold for him. Wears at least 3 layers of clothing at this time of year. He rejoices when we get to the time of year where we keep the heating on all night. We’re both born and raised in west Scotland. So I think it’s just the person.