At character-creation, I took a Training Package, that gave me a chance of having "Warm Clothing" (amongst other things). I botched that roll! So (despite the GM saying I can have basic stuff), I decided that I am under-dressed! It's approaching Winter, and I'm still in summer clothes!
I've since had time to buy socks, a heavy cloak and a hat, but the first couple of sessions, the GM is describing the frosty nights, cold winds, and I'm all "Brrrr! Can we get inside soon?"