A thin cloth for heat protection (more from sun rays) isnt as cold resist. Its just letting cold air thru, then holding heat in. If your not counting what volcanoist wear near volcanos these days. XD
Naked part is hit or miss… in cold section. Its game thou, and its how stats work out.
re programing all clothes to function exactly how they could work… is over doing it?
Wearing thin t-shirt on summer day works, its not gonna protect in cold really. Inless your talking if we have wind, or even low windchill. And any protection might help a few seconds.
being naked is just default stats thou… its a game. If we wanted realism in armors protections… we’d be haunch over in snow shivering like cry babies in north till we think were warm, get naked and die of hypothermia, and starting on fire entering the volcano. (dependin on lava and area around it…you can get close, but going that close… we’d need really better protection)
sometimes realism can go fudge itself.
Heck, we can start poking holes in Vanir earring giving cold protection?