Why, yes, I'm that "kind" of person. :-) It's a "kind" thing to feel empathy for another's discomfort. I don't find it unreasonable to guess that if I'm cold, or would be without a thick coat, that another person -- or five year old, or animal with short hair -- might also feel the same thing if we're standing in the same temperature/wind chill. (I don't understand the 5 year old reference. Do they have some built-in heat mechanism adults don't so they're not cold when adults are?)

I'm sorry if you have taken offense in thinking that I presume to know what's best for your dogs. I'm not implying that you're not taking care of them. It was a question.

It's interesting about the armpit/ears heat-loss equation. Still, thinking about it, if I were outside I don't think I'd want just earmuffs and armpit "gloves": failing having those, I'd still want the greater portion of my body mass covered from wind chill. YMMV, of course.