I live in UK where it gets cold in winter, and we have "cold snaps" when it goes sometimes 0-10 below in my area.
So yes I find it a bit hard at times. I have to wear more than I did before. 2-3 layers. Also have no central heating, only a log fire in one room (where I keep the door closed in the evenings), and a stove in the other, with all the doors to rooms in the house open, so that nothing gets too icy elsewhere. (There used to be ice sometimes on the inside of the windows in those rooms until I got the stove in 2011!)
I am finding it harder to manage with the cold than I did -even last year!
I have to be careful about what I wear on my feet. Hard to keep them warm during the day (OK in the evening) Can't wear flimsy little fashion boots, or wellies without 2 pairs of 3-tog socks.
I never used to bother much with gloves unless we got -10 outside! But I have to wear them now.
I'm lucky as I can get out, exercise most of the time (walks) and can move around, so circulation helps.
It must be horribly hard to keep warm enough for someone who is unable to exercise. Being able to move helps.
Heating pads/hot water bottles are helpful.
The weird thing is, a sudden coldness was one of the initial symptoms I couldn't understand. It literally happened out of the blue the first hour or two I began to feel unwell, on the first day.