Quite! Adequate layering and safe judgement around inclement weather is a non-trivial part of being safe. It's not just cold, but rain, snow, darkness, sandy r

Quite! Adequate layering and safe judgement around inclement weather is a non-trivial part of being safe. It's not just cold, but rain, snow, darkness, sandy roads after snow is plowed, even when warm, etc. It's all part of exercising good judgement. Skills can be built incrementally.