According to physiologist Dr. Kathryn Sandberg, it boils down to the fact that women naturally have a higher percentage of body fat than men. The extra fat is meant to keep their core warm, to protect their reproductive organs……But the trade-off is that women have less protection around their extremities. In fact, a study found that women average a core temperature almost half a degree warmer than men, while their hands and feet average about three degrees colder! Dr. Sandberg says that explains why women have a lower tolerance for cold than men……because the blood vessels in a woman’s fingers, for example, constrict more than a man’s. So, even when men feel toasty and warm, a woman exposed to the exact same temperature may feel colder, sooner.