I lost my cold tolerance when I hit puberty, pretty much. I happily wear long sleeves if it's below 80. I don't swim unless other people think the water feels like bath water. I wish I could tolerate it better b/c I'd love to do a tri. Maybe I need a wool bathing suit...c'mon, Ibex? Icebreaker?

But on the other hand, I also overheat now very quickly when I'm working out. So while I looooove my down jacket and will wear it all day at the office if I walked in with it on, I can't run in more than a long-sleeved shirt unless it's below 20. I'll be freezing for a few minutes (and my feet and hands will be numb for 15-20) but I'll feel like I'm suffocating once I warm up.