You're still making this out like it's an individual problem and not a genuine (and major) gender difference.

From a BBC article on office temperature wars:

Boris Kingma from Maastricht University Medical Center decided to take a closer look. He found that women have significantly lower metabolic rates than men and need their offices 3°C (5.4F) warmer.

That's a huge discrepancy! Obviously not something you can chalk up to individual factors like exercise rates or medical disorders.