In reply to Dax H:
> After spending 27 years working outside I now work and play in a tee shirt all year round.
> There is a standing joke at my shooting club that if people arrive and see me with a jacket on they don't even get out of the car.
> The down side to this is I don't cope in summer, anything over 15c and I feel very uncomfortable indeed.
Similar to myself. I run hot, and have always been several layers less than the majority. I have found my hands and feet have become more 'sensitive' as the years wear on though, and I have had to develop better strategies. Maybe I am simply not working as hard as I did when I was younger?
As to the OP, I do think you can cope with less on than you think, and you do become more hardy if you do so. I suppose it is exposure to exposure?