I use thermal underwear when it's just 10°c/50°f outside, even though I'm ethnically Northern European living in the northern half of Southern Europe.
I don't regret moving from Latin American climes, but I don't like winter weather.
This is a "latin-american climate":
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To be fair, you can even go from glacier to rainforest in a couple of hours in some places provided the road is not washed out.