News reports are circulating of a recent study that associates physical warmth with emotional warmth towards other human beings.
I spend a huge percentage of the time on my bike freezing my аss off, and I know I have plenty of company. For a 40 degree ride this morning, I just wore two jerseys (but I did wear leg warmers). Even when the temp is at or slightly below the freezing level, I don't bother with a windbreaker unless I expect to be caught in cold rain in the afternoon.
Strangely enough, when I'm on the couch at home, I prefer to be covered with a blanket.