Good point you have their, apart from the elderly, ill and very young who do need protection from cold I am always highly amused to go to work on a mild morning with no wind chill like today and see people dressed like they are about to embark on an arctic expedition. I see people in huge scarves, thick gloves, fur Ushankas etc. What do they do when it is actually cold? These are the same ones who come into the office on a lovely frosty, bright morning and moan about how cold it is and they can't stand it.
NB The coldest I have been personally is -30 degrees C. Now at at that temperature you can complain, not at 5 degrees above freezing!