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>And for the practicality I find myself half freezing to death this time a year when I walk to work without a tie (around 45°F/8°C with brisk winds).

That's why they invented this thing called a "jacket".



I usually already wear a jacket, I'm talking about wind entering the chest area.


All the jackets I've ever had have a zipper in front. You zip them up, and wind doesn't get in. It's far more protection than a silly little piece of silk cloth tied around your neck.




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