You are just a few years older than I.
Musk intends to put Starlink sats in orbit around Mars.
It won’t take many since human habitation will all be along the equator. On a bright summer day on Mars at the equator temps of 68F are not uncommon... but oh those nighttime temps would be brutal with virtually no humidity to hold heat.
At the equator, during the daylight hours, often the spacesuits will have to employ active cooling to keep the wearers from getting way too hot.
Underground housing will be the norm on Mars, basically what you need is a cave and an airlock :-)
Did you read Red, Green, Blue Mars books? And in the Matt Damon movie, where only a pressurized helmut is necessary and the rest is a tight fitting, strong mesh material. Cooled (and heated) as needed, as you say.
I don’t know if that will really work but that’s how it’s presented. As I get it, even with almost no atmospheric pressure, the fitted suits serve to maintain adequate body pressure.
Underground (or othervise protected): Yeah, necessary b/c of little magnetic field shielding from the cosmic rays.