The city I live in has a large, world-class university that attracts students from all over the world. Because of that, we get a lot of students from places where it doesn't get that cold, and up here in northern Canada, it can get pretty darn cold. So every year the university will put on a seminar to teach students how to dress for winter, usually in the fall. I went once, with a friend, and they walked out a few volunteers dressed in various ways...one girl was wearing knee-high, fuzzy boots and a short coat (by which I mean the bottom of the coat barely reached the bottom of her ribcage) with a fuzzy hood. Her legs and midriff were bare. This is a style a lot of girls from a certain part of the world think will be adequate for a full-fledged Canuck winter. When the person leading the seminar asked what was wrong with her outfit, my hand instinctively shot into the air (I can be very Hermione-ish that way sometimes) and when called on, I promptly said, "She'll freeze to death."
The students at the seminar laughed, they thought I was kidding. The instructor had to explain to them that it's not an exaggeration when we say in winter, exposed flesh can freeze in less than a minute.