Reason #317 why I'm an idiot

Before leaving for Toronto I check the weather and see that highs will be in the single digits (centigrade, that is) and lows around zero, with rain. Knowing this, do I pack a scarf? A hat? Gloves? No, no and no. So upon arrival when I felt that blast of cold, damp air I rushed out to spend my hard-earned loonies (that's really what they call their dollars here) on a new scarf and hat. Glad I can help the economy of our neighbors to the north...