I guess I'm so old that we would have never considered going without gloves, a hat, and a scarf under our woolen pea coats or duffle coats!
I think I have better tolerance now, due to the invention of merino wool and my knowledge of layering.
But all of those years in the south and southwest made me forget. When I first came back here, I rarely wore wool and I was cold all of the time. I even x country skied in cotton long underwear and a cotton turtleneck .
How dumb was that?