I agree Neil - a nation of soft wimps!!!
When I was a nipper in the 60's / early 70's our house had single glazing, no central heating (only a coal fire in the living room) and no loft insulation (or roofing felt under the tiles). Many a time in the winter I woke to having the nets curtains stuck to the glass with ice on the inside and on occasion, when it snowed heavily enough with a bit of a blow on, the snow would blow under the roof tiles and settle on everything in the loft!!!!!
Never complained - new no different....but us kids never caught colds or coughs or picked up other ailments at all.
I put THAT down to a lifestyle free of H&S and hermetically sealed and heated houses.