Some people feel the cold more than others, and feeling the cold seems to have nothing to do with the temperature you grew up in or have lived in.
Franburn may write
However, when my daughter visits me, I always turn the heating on - at 20* - not just for her personal benefit, but otherwise I get a long lecture from her about the dangers of old people (like me) not noticing the cold etc. etc.
Nevertheless, we should not under estimate the dangers of hypothermia, especially when we are old. As anyone who has had hypothermia will tell you, it has nothing to do with feeling cold, you do not feel cold when you have hypothermia, your whole body just gently cools down to the core and your mind just gets sluggish and vague.
I feel the cold and have since childhood and the first time I remember getting hypothermia was when I was about 20 on a sailing holiday with friends. I had spent the afternoon outside, well wrapped up, pulling a rope, when all of a sudden the helmsman sent me below, told me to get into my sleeping bag, then piled further sleeping bags over me and got me a hot drink. I didn't understand what the fuss was about, I felt fine, slightly dreamy, but that was all, but the helmsman was a seasoned offshore sailor and had recognised from a change in my responses that I was drifting into hypothermia. Eventually you just drift into sleep, and if not warmed up, you die.
If you get hypothermia you need to warm your core. A hot drink and a long soak in ahot bath are the best treatment, after which I usually sleep for several hours.
The whole danger of hypothermia, is that, unless, like me you have had it a number of times and make a conscious effort to be aware of it, most people do not realise they are drifting into it. You can get it in a cold room, even though you are well wrapped, bcause you are breathing cold air deep into your body
Which is why, Franbern your daughter worries. I doubt you would notice if you were drifting into hypothermia. To be fair, from what you say, I think she is worrying unnecessarily, but do not be completely dismissive of her concern.