No, I previously lived in a climate that goes up to 100F in summer and down to 5F in winter. But I've always lived in a proper house with heating and insulation and whatnot.
New Zealand's North Island has a similar problem. A typical house has cheap construction with thin exterior walls, unfinished crawl space with exposed soil, no insulation and no heat pump. Coupled with a damp climate 5-25C, in the winter one gets heavy condensation, black mold, chills, and the fingers don't work.
I bumped into a guy here from Northern Germany who said he's never been so cold as in a kiwi house in the winter.
The NZ government is trying to change minds, but I still see houses going up with empty wall cavities and no air barrier. But then, the natives wear shorts and tees outside in 5 degree weather all winter. So, maybe its just me.
