I'm the OP and I started this thread about a month ago, and see it popped back up again. While (as I said) I was never controlling about what DD wears, since starting this thread and reading responses I've also relaxed about it.
1) DD is more active than I am and thus stays warmer. I can't compare what I want to wear sitting on my butt all day versus what she wants to wear playing all day, even if we're in the same house.
2) I'm not in the best health. I think it's affected my circulation. My feet particularly have poor circulation. So while I'd be EXTREMELY uncomfortable if I went all day with only socks on those hardwood floors, I've checked DD's feet a few times, and unless they are wet (which sometimes happens; maybe she spills some water and walks through it for example) they seem perfectly warm. But in any event, I can't compare my poor circulation with her healthy circulation (and, of course, I need to work on my health!!).
3) I've noticed that often when I dress her the way I like, and her hands feel "suitably" warm to me, I see rosy spots on her cheeks. Well, they look cute, but I know for myself if my cheeks are rosy like that, I'm uncomfortably hot! So now I know to not just feel her hands but look at her face. I previously might have judged her temperature as "good" when it was really "hot." I've found that her hands are cool but not cold when she's comfortable.
4) She has a failsafe when she gets cold. If she gets chilled, she will ask to nurse! I can tell right away (yikes!!) when she's chilled when she nurses. She'll snuggle up to my warm body and (yikes!!) stick her freezing hands under my breasts. After we nurse (and she's all warmed up again) I'll put another layer on her (or change her socks if they are wet). She does sometimes protest that, but I've noticed she protests less than usual.
So that's pretty much it. I still monitor her, but with less urgency. I also now recognize that her hands should not feel "warm" to my touch (nor should they feel cold), but "cool" is the right temperature for her.