I think this has been suggested in the past but I would like to recommend reworking the way gear and temperature works. Instead of being like wearing ice packs or heating pads the gear should give resistance or at least not be worse than being naked.
There are at least two times this week my character had to strip down to the nude to avoid freezing to death. One of the times I was freezing to death swimming in the south river just because I was wearing hot weather gear.
Gear should have a bit more dynamic resistance so that removing clothes is not the solution to prevent you from freezing to death (especially in the desert)