I used to, if it dropped below zero I’d add a pair of ronhills under the shorts.
These days I just put roubaix longs on as soon as it drops below 10, thick socks under 5, and baggy shorts and extra knee warmers below zero.
Not so much a change in attitude to the cold, but as a student I could only afford 1 set of riding gear, now I’ve got 2 sets of good baggies, 4 matching liners, 2 sets of cheep baggies and matching liners, 3 sets of really cheep baggies, 2 sets of longs, 3 bibs, winter boots, summer shoes, flat shoes, more jerseys than i can shake a stick at, base layers, soft shells, gillets in several colours, waterproofs, about 5 pairs of gloves.
So not so much that I can’t deal with the cold, more that I can now afford not have to!