Yeah, it's been quite chilly (by our standards) in central Florida today. And yet some people down here seem unable to modify their wardrobe: plenty of people still outside in T-shirts and shorts!!
I remember seeing on the local news during the snowstorm we had here in January, there was a guy who got stuck on the interstate and was pushing his car while only wearing a t-shirt and jeans. Mind you it was in the 20s and snowing heavily.
North Dakota residents are either amazingly tolerant of cold weather, or they're just plain stupid. On a day when the temperature was around 9, I saw four people wearing a t-shirt, athletic shorts, and dare I say it: flip-flops.