Your right hand is going to fill cold. Your left hand fills warmer then the right. Your hand might freeze. We think a wool sweater would keep your body heat in, it works for the sheep. Hair to keep your head warm.
Skin is also an insolator.
A house is an insolator. The bark on a tree keep's it warm. Wood is also an insolator. The heat in your car keep's you warm. Papter could keep you warm.