Having grown up and lived in Alaska for 35 years, I offer that it is foolish to expose yourself to potentially injurious cold (not sure this happens too often in Georgia though). It's also not very comfortable. It is well within the realm of possibility to frostbite parts you'd rather not. I've come close once or twice . . . you don't realize it's happening. Once you incur frostbite, that part will become sensitive to cold and be much more susceptible to frostbite in the future. You pick 'em, but wear enough clothes to keep yourself warm.

With that caution in mind, I wore my Utilikilt to work the mid-shift last week. When I left to go home at 6:00 am, it was minus 20° C with a light breeze. The multiple layers of cotton-poly in the Utilikilt plus normal underwear was quite sufficient for comfort. My upper body was clad in a shirt, wool sweater (incidental to indoor comfort) and a down coat plus scarf. As many others have mentioned, keeping your upper body core warm will help keep the extremities warm as long as the extremities' blood flow doesn't shut down.

I can't wait for my box-pleat kilt from Matt to arrive so I can wear wool on those chilly mornings

Stay Warm!

Abax