I'm not nearly as versed in this subject as some here, but I figured I'd chime in.
My whole life I've been "lean." I'm 5'11" and the highest I ever weighed was 148lbs when I was beyond sedentary and drank a gallon of dark beer a night to chase a large pizza dinner for about 6 months straight. (That 150 is just so dang elusive!). Since then I've taken up backpacking and rock climbing which has seen me drop to 145lbs and my functional strength and muscle mass increase dramatically. BF% I'm not sure of but based on my build I'd estimate 15% at my max and somewhere between 5-10% at my fittest.
I also grew up and live in the deserts of AZ where our winters rarely see 30F nights and only a handful of 50F or colder day time highs. I've also lived in Boston during some of their snowiest and coldest winters on record since the 70s so I have a fair bit of anecdotal experience in the cold.
So with that out of the way:
Chris, you gave one specific example where you were cold. The weather was in the 60s and raining. And one where you were warm, in the teens. The humidity probably played a huge role in that. Many people (Skurka I know for one) all claim that 30s and rainy is by far the most miserable weather on the planet. The liquid moisture just saps the heat from you. 60s aren't much better…that said I still feel your chilled pains.
When I first started backpacking I was getting cold constantly. Some things I've changed (eating habits before bed) which helped marginally. However the more I expose myself to the cold the better I tolerate it. This is consistent with my time in Boston. I was able to survive those bitter winters with just a hoody, l/s tee, and thick leather jacket with jeans for my legs. I didn't have all my nice technical gear I do now. I did ok, by no means pleasant but I could be out all day. This wasn't the case at first though. It took me a solid winter first of living out there before I simply "got used" to it. Also for the record that second winter I had dropped to an unhealthy 125lbs but with better cold tolerance.
The more pressing matter though is the reserve energy you speak of. I've always had digestive problems, nothing serious just enough that eating isn't considered pleasurable for me. As such I can often forget to eat for a day or more. When this happens though, I'll wake up and have no energy. I mean literally zero. To the point where crawling out of bed to make food requires a massive amount of willpower. As soon as I do though, I start to feel better in a half hour or so.
Clearly diet becomes a huge component when you drop below the 10% BF (for males, sorry ladies I don't know what would be comparable for you). You are spot on to be worried about reserves.
I think "food training" comes into play as well. Even when I do eat, I rarely exceed 2500 calories in a day, no matter what my energy expenditure. I also possess extremely efficient muscles (I could leg press 450+lbs and weighed 130lbs before I got a car and my legs went to hell…with no specific leg/weight training, just walking). A lot of this comes from having a kinesthesiologist for a father that specifically researched neuron utilization in muscles. We can discuss the ethics of using your offspring as subjects some other time.
So if your metabolism is using 6+k cals a day you probably need to retrain it suffice at much lower levels. I don't know of any specific way to do so, but considering the human body's adaptability just "starving" it may be enough to reprogram your metabolism and muscle neurons assuming you don't have some underlying endocrine issue like hyperthyroidism.
Sorry, it's late and I'm a bit rambly and not as precise as could be. Just wanted to throw my own 2c into the fray. Also to ape the others, congrats on the fitness, you're at quite an impressive level, it motivates me to get back into the fray!