On the local news tonight there was a story about a guy who was walking around this week in -40 F windchills. Didn't catch the whole story, but he said he wasn't dressed for the weather because he was just running a quick errand or something. He fell on ice and was knocked out for 4 hours. When he came to, he had severe frostbite in both feet, and he is in the hospital now.

It's an eye opener for me, because even though in winter I always have a parka and a mid-weight coat, hat, scarf, longjohns, gloves, and boots in the vehicle, I actually only wear a fleece vest when I go in to work or run errands, unless it's a blizzard.