I love Fuji films in general, but I, too, find them rather cold. I almost always use an 81A filter, and I may soon decide to warm it more. I rate Provia 100F (my standard film) at 80, although that is sometimes still too fast for my taste. I think that you should run a test roll on subjects that you photograph frequently. Bracket each setup, note the exposures, then choose your own speed for the film.