Firstly, I do think we feel the cold more when we are older than we did when we were young. Stereotype pictures/drawings/ phtographs of old people at almost every period, shows older people, especially women swathed in shawls and thick slippers.
I can certainly remember feeling the cold aas a child. The way one automatically braced one self as I walked out of the nice warm kitchen into the freezing cold hall and going upstairs to freezing cold loo upstairs.
I can remember, at one of my aunts, getting into bed fully dressed and undressing while in bed clutching my hotwater bottle and shoving all my clothes to the bottom of the bed so that they would be warm when I put them on in the morning, because the bedroom was so cold.
I remember my sister walking to and from school crying with cold when the winter was bitter because she was so cold even when wearing the full acoutrement of clothes , woolly vest, Liberty bodice, viyella school blouse, school tunic, cardigan and a thick school uniform coat.
Houses had small areas of warmth in deserts of cold.
When we married, in the late 1960s, we bought a new house off plan and that came with cnetral heating as standard, and what bliss it was. I think the house came with 2 inches of insulation and I can rmemeber that within a few weeks of moving in DH added another 2inches of insulation. I think in every house we have owned, one of the first things we have done shortly after buying it is to increase the insulation in the roof.