I believe that tolerance to this stuff is possible to build in most people. You have to be willing. I’m living in the country in the woods currently, so I step outside naked for a few seconds every morning. Some people turn the shower to cold in the last few seconds.

And when cycling, if I get cold, I make a note of which body part is cold, and next time I ride in those conditions, I cover that body part up. My ears don’t bother me, but my jaw really does. I can use a gaiter/buff to wrap my jaw up, and I’m happy.