I doubt it's a "thermoregulation set point" issue, since I haven't always felt this way.
Thanks for pointing out the blood pressure thing. I hadn't considered it might be related to cold sensitivity.
I have considered it might be a thyroid issue, and I am familiar with the controversy around thyroid disease. Not completely trusting all the alternative claims - but I think there's enough evidence to believe something might be going on. I think I might try to get a prescription for thyroid hormone medication, and see if it improves my condition. I'll probably try other options first, since there are potential side effects.
If you're male you might also want to check your testosterone levels. And if your doctors and insurance are amenable, run a thorough hormones check in general.
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