The average human body has a temperature near 98.6 degrees Fahrenheit. During strenuous activity, this rapidly increases, with a healthy temperature being near around 105 degrees (there about, its been a bit since AP bio). Due to the structure of the human circulatory and the composition of the human body, energy must be used to both increase AND decrease temperature. In the case of decreasing temperature, the majority of heat released either escapes from a network of blood vessels on the top of the head and through contact with any external surfaces (generally reserved for the feet except in cases of sleep or rest).
If we are going full realism mode here, your body doesn’t actually give a rats ass if your arms are cold as long as your core body temperature is maintained. It would be uncomfortable and lethargic, but frostbite is unlikely in all but extreme circumstances (don’t pour water on yourself in a blizzard). Also, head covering would have a direct “health” warming effect for the entire body (doesn’t make it more pleasurable) while not wearing shoes would be a rather large penalty.
Also, the last bio class I took was AP bio and that was 2 years ago. So, yeah, if we are going realistic here, you’e going to want additional research.
