Ah, I know what it is.

I see that you are premenapausal, by your BD.

As am I, I have been assured by many women that we will be cold until menopause. Then we won't be cold any more, we might be hot and sweaty.

I can't imagine that happening to me, but I guess I'll wait and see. Sorry to say you have a much longer wait than I.
I wear two sweaters in the house, and I'm in Florida