Cold and Heat Intolerance

I'm a Pacific Northwest (PNW) girl, born and raised in the suburbs of Seattle. It does not get particularly cold or hot here. Snow is rare and short-lived. We have limited snow plows and deicers, and when it does snow, everything pretty much shuts down. Extreme heat is also rare. In my forty-one years, I've never lived in a house with central air (except when I lived in DC). Lately, our winters have been getting snowier and our summers hotter. I am not a fan.