I just got back from a week in Jamaica and I made the following observations:

The average temperature in Jamaica while I was there was probably 80 degrees, and everywhere I went I took a sweater or sweatshirt or jacket of some kind with me.

Golf at 9 am.  “Aren’t you hot in that?”
“NO!  It’s only 50 some degrees right now and I can take this off if I get hot.”

2 pm at the beach.  “Come on in the water is great.  It will only take a little while for you to get used to the temperature.”
“If I have to get used to the temperature…it’s too cold!”

6 pm in the lazy river.  “Where are you going.  Doesn’t this feel great?”
“NO!  The sun is behind the building, my goose bumps have goose bumps.  It’s cold in this water.  I hate to be cold!”

7:30 for dinner.  “Where’s Sue”
“Went back to get a sweater.  It gets cold at night with the wind off the ocean!”

As I sit wrapped in my sweater while everyone else is pretending to be OK with the weather I just smile.  I come prepared.  And if for some odd reason I do get hot, I can thank Willis Carrier for inventing the modern air conditioner.  But more times than not, I’m not hot and I hate being cold!