Well, that all depends on where the thermostat is set. Northern visitors accuse us Floridians of having our "blood thinned out," because we don't set the thermostat low enough. (I'm obviously not thin enough, because it's generally not low enough for my liking, either. ;) ) But I suppose the bottom line is a matter of comparing humidity and temperature. I don't exactly have useful numbers for humidity. For temperature, 76 degrees is a typical setting on the thermostat. (At home, it's more like 78 degrees.)

Now, if that is still cold for you, then, well, I admit defeat! ;)