Feet, arms and legs feel cold more readily due to their long narrow shape and reduced blood flow. Keep them dressed with good insulating clothing. Heat loss from the body is not stopped by clothing but the clothing will trap the heat generated by the body and slow down its loss to the environment. Wool is still one of the best insulators and, unlike most other materials, it retains much of its insulating properties even when wet. Thick, cotton clothes are comfortable and act as a good insulator but cotton is useless when wet or damp.
Body heat is lost when the dead air spaces in clothing are subjected to the effects of wind.
The air spaces in the fabric and between the layers of clothing trap the heat generated by the body. Wind steals this warm air and replaces it with cold air. Body heat is lost by coming into contact with something cold such the ground, or cold floors and furniture. The better the conductor, the greater the heat loss. Sitting and sleeping on foam pads can eliminate much of the conductive heat loss.