What makes men and women's tolerance levels to temperature changes so different?

With spring around the corner, we face a perennial dilemma: when to turn off the central heating.
Crocuses and daffodils may be starting to show, but with the aftermath of Storm Doris, torrential rain and temperatures stubbornly refusing to budge above the decidedly chilly, many prefer to remain cocooned in our artificially warmed offices and homes for a good few weeks at the very least while the rest get decidedly hot under the collar at the prospect.