Aaaaaand the word of the day is ... drumroll please... "Piloerection." It's the scientific term for goosebumps.
Now girls can have erections too!
Next time you're cold ladies say: "Man... my arms have the hugest boner right now! Someone wanna take care of this for me?"
Or if you wake up in the morning and it's cold you complain "Wow... I have some HUGE morning wood today!"
Play with it... I'm sure you'll come up with something good.
PS. The "play with it" pun was purely unintentional, but shows you how my twisted mind works.