David, that may be for some but not the case for me and a coworker. I'm 6'1" 145lbs, slender build. I'll have on a t-shirt and jeans, feeling warm and a female coworker who is somewhat chubby, wearing a sweatshirt, feels chilly.
I wonder if there is more to it than body fat.
I wonder if there is more to it than body fat.