I actually have a naturally higher body temp, and all the training I do doesnt help that. also I am very hairy all over. I can be outside in the middle of winter without a shirt and be fine for hours. I actually do need things to be cooler, but not because of blubber haha.  you cant really tell any of this by looking at me if im fully clothed, but hams you know for a fact about all their disgusting insulation.