>>96430028
If I'm being honest, you're gonna kinda be in a shit spot for proper "FUCK OFF COLD" unless you're trying to go after a specific movie or property's style. I went crawling through a bunch of old Lost Planet stuff and could only really find screencaps from character customization; but if it's for inspiration it might help some.

The jist of what makes this difficult is that most good insulators are high quality material; which means that the poor and downtrodden are going to have to make due with what's left. What's good about Lost Planet stuff is all their clothes are lined with basically electrical heaters which makes a lot of sense; but since they're cheap, you have to rely on bulk to keep the heat in. That's why I like this dude with his goofy ass huge puff-diamond sleeves.

Maybe I'll take another crack at it later, but that's one way to go with it.