I generally enjoy the warmpth, and don't like being chilly too. I'm a rather small, skinny guy, so I guess the reason why I need it so warm is due to a lack of insulation. What I don't like however is humidity, no matter how warm or cool the air is, it's gotta be dry. Arizona would be a nice place for me to live...lots of heat, little humidity. I'm sort of like those lizards you see in the desert sunning themselves on a rock. Oddly enough, I sort of enjoy getting into that extra hot car on a summer's day just like Dirtdawg, as long as it doesn't persist long enough for me to break a sweat...usually the air conditioner starts cooling it down quick enough after about 5 minutes or so of it.