When I was a lad, my dad & I came across a car (winter) attempting to tow a trailer which was way too big for the tow car & had slid into a ditch. The driver had on only tee shirt, slacks, loafers & had no coat, boots, or other cold weather gear. He was making his semi-annual trip from his heated garage with door opener in his heated car to his other home in Florida. Thus, no need for coat, boots, etc. unless. . . . oops!