I don’t think children feel the cold as older people do - my Gdcs don’t seem to, anyway. And in the depth of winter you so often see lots of older schoolchildren in just thin shirts with an open blazer - no coat of any description.
I do recall, as a student of 19 or 20, going out in just a thin mini dress (no jumper or vest of course), very thin tights, an unlined shortie leather coat and high heels - in Yorkshire in midwinter, with snow on the ground. And not really feeling cold.
It’d be a different matter now!
Dh used to have his personal central heating - never wore a coat or jacket - it’s a lot less efficient now, though.
Dd1 has inherited his central heating - always hot!