I wonder if pain tolerance is just slightly less developed parts of the central nervous system or brain. Those with a higher tolerance have less "sensors".
Maybe, but I don't think so. I think that people can manage things differently, including feelings. Some people can choose to deal with more discomfort than others. For example, I can be cold and still think "this isn't cold enough to kill me" but my wife will put on a jumper well before then.
And this is why I sweat in winter, the bloody heater. :P I hate hot air!