I go to great lengths to avoid winter. In the last decade, I've only been here in the northeastern US for three winters. I'm about to tough out a fourth.
2007 - Cairo
2006 - Kuwait
2005 - JC
2004 - JC
2003 - Australia
2002 - Australia
2001 - Indonesia
2000 - Bali, Java, Singapore, Malaysia, Thailand, Laos, Cambodia
1999 - NYC
1998 - India, Nepal, Pakistan, Iran, Turkey, Syria, Jordan
Some people don't mind the cold. I'm not one of those people.
The apartment I'm in right now is freezing most nights. It has electric baseboard heat in one room, and a big hotel-style blower in another room. That's it for the heat. Yancey, who owns the apartment, was good-natured about it and just piled on more sweaters when he lived there. Unlike him, I complain.
My old condo had no insulation. None. They didn't have fiberglass when it was built, sometime in the early 1900s. Roberta, Al, Michael Kraiger, and I insulated it. We insulated Roberta's place at the same time. We rented a blower and bought bales of insulation from Lowe's. We started out trying to carve neat holes in the plaster with a hole saw, but that wore down the blade. In the end, Al developed a method called "beat the hell out of the plaster with a hammer." It was effective. After that, the old apartment was toasty. I hope the new owners appreciate it.