How many people have worn their kilts out in winter?

How many people get the "Aren't you COLD?" question?

Let's start a thread for responses...

What I call the "physical properties" response:

No... As long as my torso and head are warm, I stay warm. Also, heat rises and the kilt is pretty thick, so it's like wearing a blanket. And if it's REALLY cold outside, I can wear kilt hose that come up to my knees!