Of course.
The point I was trying to make - perhaps badly - is that both my DH's and my "formative" year equated generally to the same period of the year - late summer/early fall - at a similar latitude, where the first half of our first year was spent in cold (well, when we weren't inside in our crib or wherever we were! ;) ). Yet, we both have vastly different heat tolerance levels. That's why I think body fat may have a roll in it. While I'm not by any means obese, I do have a higher BF% than he. Sigh.
Just my personal experience. As I see from the replies here, there are just as many as there are folks on this list! :)

