A rebbe of mine way back when told a story of a person who used to bang his head against the wall constantly. When he had head pains, he would complain and say “what was my sin that I have these terrible head pains?”
The answer, of course, is that he was hitting his head against the wall. If you do silly things (including dressing inappropriately for the weather) then the punishment for that is you have to suffer the consequences for those silly things.
The Wolf
The Wolf