I grew up in the extra cold Chicago winters in the 1950's and early 60's and learned to respect
the cold. People in the middle South sport around in t-shirts in coat weather, and many get
away with it, especially young folks. Below a certain temperature, I just reflexively pull on a
coat, scarf, hat and gloves (no, not when the temp goes below 60 F!). Sometimes, I want to
say to these kids, do you own a coat? And when did you think you might wear it? But if you
have the metabolism, more power to you. I stay healthier if I remain a little warm myself.