Beds only add a warmth bonus while sleeping. I never considered the player wanting to sit in a bed under the blankets.
I am adding 6~ or so “full body” clothing items, like cloaks and sleeping bags and blankets. I will also add more crafting recipes for these, and maybe have some “awesome” tailor/survival stuff, like fur trenchcoats at no extra encumbrance, but you can only craft them, not find them.
The system doesn’t allow “partial” warmth to body parts, so I can’t have a trench coat collar keep the face warm without getting the full trench coat warmth value. That’s why a hoodie also doesn’t provide head warmth…
For keeping the face warm, there’s really only the dust mask, bandana, scarf, filter mask and gas mask. Bandana is now craftable at level 0 or 1 I think. Perhaps I should add a turtle neck sweater!