I lived in a 5 year old house- but the boiler was cheap rubbish and it was always cold in there, despite being new
Then, another winter I lived in a 115 year old stone cottage built into flats which was always frozen- seriously had to scrape ice off the windows and hit the toilet bowl to rid it of ice- and I was spending so much on heating for it to not work and the mould and damp was just incredibly awful
Now I live in a lovely,warm, efficient, 4 year old flat and I love it. But I am still just a cold person- my basal temps are consistently 35C (96F) so I have layers, many layers and a hot water bottle in my bed most nights (except for when J is over, as he's a hot water bottle himself!!)
I think I will need to use the warm rice idea- I have a reusable hand warmer (crystals) that I love as well