I am not a doctor, but when I feel very intolerant of the cold it usually ends up that my thyroid medication needs adjusting. Perhaps you could ask your Doctor to check your thyroid. It involves a blood test so not really invasive.
My Endocrinologist told me that TSH results are quite personal. One person might be very comfortable at 1.5 and another person would be equally comfortable at 2.5. It wouldn't hurt to speak to your Doctor about the cold feeling all the time. We also keep the heat in our house around 60-65 except when we get company. I have to admit the most comfortable is around 70. But then our electricity bill goes much higher too.