That’s a bit mad. I went out with coat and beanie, although the beanie didn’t last long and the coat was unzipped about half way.

I don’t really mind the cold much when walking (although the icy drizzle yesterday was a bit much). It doesn’t take much effort to warm up, it’s really only when sitting around that the cold is a problem - or especially trying to do things like type with cold fingers. I’ve got very low heat tolerance though, once you get past the mid 20’s I find it’s getting unpleasant, by the 30’s I just want to lie down and whimper.