I had that happen only once...
I stopped and took the time to explain that 8 yards of 16 oz wool wrapped around me was far warmer than 1-1/2 yards of 6 oz cotton/poly in the form of slacks. At -40 I would still be rather toasty. As to the dress part, I would point out that a man's tartan kilt does not extend above the waist.
Of the four boys she had in tow, one of them asked if I had Scottish blood. GRIN