Wally01: I lived (and skied) in Michigan for 5 years, and I've skied for over 20 years in Vermont. I've also spent significant time working outside in winter climates far colder than anything Michigan has to offer you, such as Central Asia and the Andean Plateau. Second, I do research on the biology you're posturing about. So I understand cold. Conclusion: The OP asked a very reasonable question. You felt the need to go macho. Only get your facts straight. Unless you like coming across as a cartoon.
Fact: Vermont's winters are significantly colder than your "real winter" in Michigan, by about 7 degrees average daily temp. It gets less snow but more wind, which means that corrected for wind chill, the differences are even larger. In fact, the Great Lakes buffering effects make Michigan's winters famously milder than bordering states to the west. Go do some construction work in Wisconsin or Minnesota and report back. And watch your fingers: When your core cools off, you lose coordination. Whether putting up roofs or skiing through trees.
Fact: People vary widely in both their subjective experience of cold, and their measured biological responses. These responses, in turn, are not voluntary. They are influenced by anatomical differences ranging from body architecture to vascular supply to limb vs trunk proportions. They are also related to each person's innate ability to acclimatize. Some of us can adjust to cold stress better than others, regardless of how hard we try or how we dress or how we eat. It also helps to have ancestors from a cold place.
The most famous example of this was the far higher rate of diagnosed cold injuries, including hypothermia, frostbite, and subsequent gangrene, to Black soldiers in the Korean War. Research showed that even after adjustment for their states of origin (more from the south) and time adjusting to the Korean winter, they were genetically more susceptible to cold injury.
Now unless you want to suggest here that our Black soldiers didn't have the same courage to tolerate discomfort as their White peers, you may want to rethink your entire argument. Cold discomfort is NOT about sucking it up, or about eating more fat, and it's more likely in Vermont than Michigan because Vermont is just flat colder...