Two chafes to this issue: One (1): Not wearing the proper amount of layers. But Two (2) and more importantly: being the first guy to admit you were wrong. Look, you may have shit the bed and not worn that jacket your mom bought you last Christmas, but if another guy in your walking party admits he's cold before you do, you've got a glimmer of hope. While you're somewhere in the baby-chafed to mediocrely-chafed region, this guy's chafe meter has reached Defcon-1. Chafe-ageddon. Threat Level Midnight. Bask in that 1% warmness you have in knowing you're not him (he's probably named Noah or Micah). And if you're him, my thoughts go out to you. A word of advice: start jogging.