Please excuse my ignoarance, but I am a Florida boy.  To me, anything below 50F is cold.  And even in temperatures that northerners would find warm , I find that I wake up with a nasty cough and congested lungs.  My body is warm, but my lungs suck in cold air all night.
Is there a solution for this, or is this something that you just get used to if you live up north?  
_________________________
--
Darwin was wrong -- I'm still alive