When I was in my teens, we lived in an 18ft. trailor with no electricity, heat, or water during a winter with daily highs around -20°F. A few years later, I survived Chicago winters standing on the L platform well after midnight, feeling a 50 mph wind tear through my cheap jacket while the tracks froze over so badly the trains couldn't run. There were times when hypothermia seemed like a really good idea.
As cold as I was, I never wore a snuggie.
I couldn't afford one.