Tell me about it....I work as a medic here in SW Florida. I've had more than a handful of people in hypothermia. And we're in the sub tropics. Like you said....people think they'll be ok and end up in a bad situation. I've had several people who slipped and fell late at night and they were in bed clothes. They landed on the patio floor...funny they only thought they'd be out for a second as they left a glass on the table and were just going to bring it in. By morning....hypothermic.