We don't all feel cold... as you've learned the hard way. I once heard it explained that thyroid problems cause the body's "thermostat" part of the hypothalamus to go all wonky (such a medical term, eh?
) Most hypos will feel cold, but a few will have the opposite problem, and some even waffle between hot and cold.
But you still can't eliminate your female hormones from the picture, either. All hormones work with and counter each other in mysterious - to me - ways.