> Yet ChatGPT can easily figure out likely intent in situations like this, just as humans do

No, it is not "figuring out" anything, much less like a human might. Every time "I'm cold" appears in the training data, something else occurs after that. ChatGPT is a statistical model of what is most likely to follow "I'm cold" (and the other tokens preceding it) according to the data it has been trained on. It is not inferring anything, it is repeating the most common or one of the most common textual sequences that comes after another given textual sequence.