Or, you have arthritis or some other medical condition or old skeletal breaks. And, that snow and ice becomes a real hazard to life and limb as you get older. How many old folks have fallen in such conditions? How many have had heart attacks or strokes trying to clear the stuff from sidewalks and stoops?

What if you have a respiratory condition and frigid cold takes your breath away. I can attest from life longe experience that asthma, for example, can be like that.

There are many reasons you just cannot dress for that kind of cold.