I grew up in a place with cold snowy winters. I’ve been living in San Francisco for 15 years and cold here hits different! The humidity is different, the cold ocean air, the wind - it all matters. Hats though is a different thing. I never liked wearing hats and I still don’t. But I see many Californians wear hats with shorts and sandals - I guess their ears get cold faster than their feet 😅 I prefer to keep my feet warm and my ears and face can handle the cold 😉