I remember in middle school, it was popular to wear a longjohn shirt underneath a plaid shirt, and leave the plaid shirt unbuttoned for a couple of buttons, and roll the sleeves of the thermal shirt up over the plaid shirt. It was warm, at least.
My first year in college, it snowed, and I was glad for my thermal underwear, snow boots, sweaters and flannel shirts. It was also either too cold or too warm in the dorms. I had a space heater in my room because it was so frigid. They gave all kinds of excuses, but the upshot was the administration didn't want to spend the money to get the HVAC unit repaired properly.