I just wear a hoody..if its over 40 I wear shorts and flip-flops, under 40 shoes and pants. I stay hot and don't mind the cold unless its going to snow then my arthritis acts up . I just don't get cold too often

When it was colder than antarctic I wore a knit hat and another pair of socks . I walked a mile to the gas station, came back drenched in sweat .
(Lower Michigan)

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