You've hit the nail on the head. My wife complains about being cold, but she says she's wearing her hoodie so she shouldn't be! The thing is thin and has no insulation in it so any wonder she's cold. Just because you're wearing a jumper or jacket, doesn't mean it's appropriate to keep you warm!Good idea. I don't really dress appropriately for winter which is why I complain a lot. I don't even own a good coat.