I am always cold too! I don't know my bodyfat percentage exactly, but I'm 5'7" and weigh 113 lbs. I have a very slender body type, and I've always been this way. I do find that when I'm working out and running very intensely, I stay warmer. But in general, I'm the one huddled under the blanket in the winter. My hands and feet are always cool to the touch.
We spent a week in Utah at Christmas time and I thought I was NEVER going to be warm again! Granted, we were on the ski slopes and the temp was below zero, but still... I am not built for that kind of cold. I could never live there and be comfortable.