This is probably more of a factor of humidity than insulation. I've felt colder in -1C in Dublin where humidity was over 90% than at -20C in Luleå and 10%. Insu

This is probably more of a factor of humidity than insulation. I've felt colder in -1C in Dublin where humidity was over 90% than at -20C in Luleå and 10%. Insulated clothing is less effective in higher humidity as moisture in the fibers wicks the heat away from the body faster.