Terrific read. Thanks Janice. Have you thought about heated jackets? They are expensive, but we will truly consider them for winter here in Canberra.

One morning we went into the city to have our car

serviced. It was freezing and I was layered, but he who doth not feel the cold, wasn't.

We went for coffee and when we came back the car wasn't ready. By this time, was blue with cold. The mechanic saw him, and produced a heated vest. Two minutes and he was toasty warm. If you had one of these you could probably manage with no heating.

https://www.google.com/search?client=firefox-b-d&q=electric+jackets+heated