Is it natural to say people living in the tropical countries are typically "afraid of the cold," meaning they are not used to cold weather and find it uncomfortable?
I'd appreciate your help.
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I would use the word unacclimatised (British English spelling) or unacclimated to describe someone who has not yet adapted to living in a different climate.
"Afraid" does not seem appropriate - fears can be irrational and without basis, so this might suggest that a person "afraid" of the cold has never actually experienced it.