Your observations are spot on. People are different and thus handle temperatures differently. The bit about humidity is absolutely 100% in line with my experience. I could handle -11 degrees C in Germany with clothing that would leave me freezing in the UK at -2 degrees C.
The same goes for handling heat and humidity. I grew up with average temps of 35 degrees C in a dry climate. It was not a problem at all. 28 degrees in high humidity I find unbearable.
The same goes for handling heat and humidity. I grew up with average temps of 35 degrees C in a dry climate. It was not a problem at all. 28 degrees in high humidity I find unbearable.