Someone living in Siberia may say “cold in Canada? Silly geese.”
I come from a tropical climate in which people wear jackets when it’s 21 C (31 C being the average all year round.) In my mind, 21 degrees Celsius (about 68 F I think) was damn cold.
Of course, I now laugh about that.
But I won’t judge her for not wanting to be cold and using a maybe seemingly reasonable way to do that.