I’ve noticed this too and so far I can handle it since I just have one sim, but as she makes a family it’s gonna get bothersome having everyone inside in coats and what not.
I also noticed at the festivals it’s cold enough for my sim to change into her cold weather clothes but the sims around her all seem to be wearing their festival costumes or everyday wear, I don’t want every outing to be townie death time, so hopefully this gets tweaked. Also every single townie has a black umbrella when it rains. I’d like to see some variety there.
Speaking of clothing issues I read somewhere that sims can get heat stroke in their normal swimwear if it’s not tagged for hot weather, another thing that really needs to be tweaked.