I think the real problem is the armor equipping system. Even FO4, which improved it was still flawed. We really need a more modular system where you can easily add insulation to armor and have multiple layers. For instance, strapping fur to yourself, over-cloaks, scarfs, goggles for blizzards, maybe some lore-friendly pendant enchantment of warmth. It'd go great with Frostfall, but even aesthetically and for RP such an armor system would be lovely.