Haha! If you had met me before, you would have realized that I was terrified of the cold.
I have only lived in heated homes since I started this practice but I do find a space heater and ending with warm water is usually enough. Also, your cold tolerance increases over time so it actually doesn’t feel that cold for me now even if I don’t end with a warm shower.
Hope that helps and let me know if you end up trying it!