I remember when I was eighteen and doing odds and ends for an architect friend, We were working outside loading and un-loading burn victim beads into a warehouse he had built. It was windy and around 30F. Now our winters can get cold sometimes, and coupled with humid air we get "wet colds". I remember that day like it was yesterday, and it was nasty and cold, and I had a whole bunch of clothes on as well as most around me, except for this one guy....who was from Pitsburgh, who had on blue jeans and a short sleeve shirt. :-D
........JP