Women Are Colder Than Men

The biggest factor in the different perceptions of temperature between men and women is that women are, in fact, just warmer to begin with. A study done by the University of Maryland School of Medicine in 1992 looked at core body temperatures of both men and women. Their results found that though both men and women had core temperatures that varied throughout the day, women's core temps were, on average, slightly higher than men. It stands to reason, then, that since women are a bit warmer to start with, cool temperatures will feel even cooler to females than to males... More here.

I always wondered if there was a physical reason for this. For example, Jo is normally 37.3 degrees and I average just over 36. This can cause a few 'discussions' regarding how hot the house is etc.