Dave Liquorice has brought this to us :
Do you not get cold hands and feet when the air temp is below 5 C
ish? I do. I don't have cold hands in this room at 18 C but if I
drove for an hour today without the cabin heater warming the car to
18 C I would. It's just above 5 C outside...

No, if my main body is warm, I don't have an issue.