You do realize that 99% of people feel cold in 40F. Think about the majority of population. Most of them don’t run and just want to do their business by using scooter
Yes, I addressed that in my last sentence. You presume I don't feel the cold, I do, I've just learnt how to tolerate it. Buddhist monks can dry wet towels in -40 weather. The human body is rather more tolerant of cold than you might think.
Also, source on 99%?
It’s not for a majority of people