Only a person living in the North knows what it is like to wear just a t-shirt outside in freezing or below freezing weather.
I Had to chuckle at the above statement you made. While I was up there about fifty years ago, we got word that the temperature had dropped one evening to -50 degrees, with a wind-chill factor of -80...
It seemed a wise and logical idea for me to step outside with just a t-shirt on, to show my friends how unfazed and tough I was... Someone slammed the door shut and held it closed. Fortunately, I was able to overpower them with the help of my leg pressed against the door frame as I pulled on the door handle with both hands😎
Just another fond memory I have of beautiful, yet frigid, Alaska...
The temperature extremes can be pretty wild at times. I just do not like getting fully bundled up just to be outside for one minute dealing with the garbage or pre-heating the car.