We feel warm when our body needs to either produce less heat or dissipate it more efficiently (by sweating or changing the blood circulation pattern).

So we feel warm at lower than body temperature, when the natural metabolic rate of our body produces more heat that can be dissipated without extra effort such as sweating.

What we call feeling cold or warm is not a measure of the temperature, it is a signal for our body to modify behavior to keep its temperature constant.

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https://physics.stackexchange.com/questions/377814/why-do-we-feel-hot-when-temperature-is-relatively-high-even-though-it-might-be-l#:~:text=So%20we%20feel%20warm%20at,extra%20effort%20such%20as%20sweating.