Rob and Donnie,

You are both so right! Several factors influence how cold it actually feels.
I’ve been in my kilt in the 20 F (-6C) in November with a sharp wind and felt fine. For one thing I was prepared with several layers; t-shirt, long-sleeved shirt, wind proof fleece jacket, insulated hiking boots and heavy wool socks. Yet on a spring day in April with the temp around 45 F (7 C),
light wind, and steady drizzle as being the coldest day I
have experienced in a kilt. The cold just seemed to chill to the bone.
I have learned to be prepared for all kinds of weather.