Colder with Low Bodyfat?

I wasn’t sure where to post this, so apologies if it’s in the wrong place. I was wondering about low bodyfat and feeling cold. I live in a humid central American country and basically still feel hot and sweaty most of time if no a/c is on. I would guess I am about 18-19% bf and was wondering if getting down to 10% or less would really make me feel colder - i.e. make living here more comfortable?

Does anyone have any experience of losing significant bf (to below 10%) and living in a very humid climate? I would love to think stripping the fat would make living here more comfortable - would be extra motivation to lose fat!!

thanks