It is SO cold here, and it's only going to get worse. When I get home I turn our heat WAAAY up, and then when my roomie gets home, she is like "It's hot as balls in here." and opens the window. I am never hot, always cold, so I wear like tons of layers, and you'll never find me wearing a t-shirt unless it has something over it after October, because it's cold!
I know a few girls who are wearing t-shirts and such to "prepare" for the winter so they get acclimated to the cold, and only need a light coat during the winter! CRAZY!