We coddle our children. BUT...funny thing: if they'd dress properly for the weather maybe their candy a**es wouldn't be cold outside (meaning mom and dad should dress them appropriately or make them wear warm clothes when it's cold outside).
I teach at a preK-8th grade parochial school. Our policy is we don't go outside if the temp with or without wind chill is below 32F.
Of course we just had a frigid couple of weeks and some kids came to school in shorts and sweatshirts (and it was near 0 for many mornings). These kids ALL come from money and can afford coats/gloves/hats, etc. Most of them have nicer coats than I do. They just don't want to wear it (unless they're skiing in Aspen and then by golly parents wouldn't think about complaining about the temperature).

IMO we're raising a bunch of pansies... and not just concerning the weather.

Sorry- this didn't provide any helpful information. I apparently just vented at you instead.
40 seems ridiculous, tho.