In reply to JonC:
> How much gear do you own Toby?
Lots. get over it. :-P
If you really want a justification: I live in cold country, spend lots of time outside, and don't spend my money on much else. Is it ever -25 when you are waiting for the train to work?
Put like this, if you are ever in Helsinki mid-winter and want to go ice climbing, as long as you are roughly the same size as me - you don't need to bring any of your own stuff!