In the past on what are not the warmest of days I often wondered how some GG's would wear quite skimpy tops and not be shivering to death.

The thing is I now find myself wearing things also when it's chilly that if I wore in male mode, without forms as I do in femme mode, I'd be "Feeling the cold" and looking to perhaps add a layer. I've noticed that if sat in a skirt, tee, bra and forms and feeling comfortable taking my forms off I'd quite quickly start feeling colder.

I've come to the conclusion, and I might be slow on the uptake here,
that the extra insulation forms, and for GG's their breasts, provides over the heart stops the body from triggering a shiver response. That vital organ is better protected from the cold, the torso stays warmer keeping other vital organs safe while allowing GG's to reveal more skin.

I'm sure there must be other ways in which male and female physiology trigger different responses but this seems one I can experience.