My little girl is always hot. I'm hot natured also, but not like her. At night, we cut the heat down because I have nightmares if I get hot while I'm sleepting. It will be about sixty degrees in the house and my little girl is only wearing a t-shirt and a diaper and still refuses to cover up! She's always been that way. Just like your little one, she never wanted to wear hats, jackets or be covered in blankets. We later found out that this is could be a symptom of her eczema. We just found out that she has it this summer. My poor husband freezes all year round. Just last night, we were arguing over the temp in the house again. I told him that I don't want to have this discussion twenty years from now. He went and put on pajamas. HeHe.
Advice- Don't worry about it. This is just something that you will learn to deal with. Your child is old enough now that she can kick off the covers if she needs too. Don't make her stay covered. This will only make her mad. When she is at home, let her run around(or crawl) in just a t-shirt and diaper or just a diaper in the summer. It will save you time and effort fighting with her just to have her take it off anyway. Plus it saves you from doing so much laundry. Also, let the temp in the house go down at night. It won't hurt her, I promise. We normally have it about 60-65 at night. If her legs feel cool, cover her legs. If her arms feel cool, cover her arms, but remember she's likely to uncover herself. She's old enough to kick off the cover if she needs too.
Most important, don't worry about what others think. You know your child best. I used to get those same looks too. I also have a mother-in-law that seems to think if the temp drops below 75, you need a coat, hat, gloves and a scarf. She might grow out of this, but most likely she won't. Just be prepared for the looks and explainations if someone asks. Yes, it is ok to bring baby to Wal-Mart in nothing but a onesie and socks in November. Remember to keep a blanket in the diaper bag just in case.