Men and women have roughly the same core body temperature, at over 37C; in fact, some studies have found the female core body temperature is slightly higher. However, our perception of temperature depends more on skin temperature, which, for women, tends to be lower. One study reported that the average temperature of women’s hands exposed to cold was nearly 3C degrees lower than that observed in men. I know some people who had a new central heating system installed. While the wife was out the husband hung a picture over the thermostat and glued another thermostat to the wall (no wires to this one). As far as I am aware she still doesn't know.