I used to think that Florida, New Mexico, and Arizona attracted retired folks because of the decreased cost of living. Notice that I said 'used to'.
I am now convinced that, even though hot is really HOT during the summer months, decreased cold tolerance is the reason.
These days, the temperature is about 50 to 60 degrees, depending on whether the rain is falling or the sun is out. During the day, it isn't so bad, but come nightfall, the cold seems to seep into my bones, and I cannot get warm, no matter what.
Now, I know why old folks move towards warmer climates. I hate the heat. I lived in the Middle East for five years and that is when I was thin! Now that I'm old, fat, and ugly, it is not a prospect I see for my future.
But is it?