I had a situation like that when I first went to university. My parents house in the north of Scotland was rather old and rather ramshackle with no central heating - I can remember going to have a bath once and finding 2" of ice in the bath. However, I don't remember feeling cold as a kid.

However, I went to university and stayed in centrally heated halls of residence, which I didn't find warm. However, when I returned home for Xmas it felt like I had been shipped to Siberia - I was dying of cold! I remember being pinned to the bed by a pile of blankets as I desperately tried to stay warm at night.