FIB - define cold. Is that like below 50 degrees for you? lol I've ridden horse in AL and got a sunburn and then had to cover it up with downfilled parkas! Someone got me one of those red clay tshirts - Alabama dirt shirt. I've been on Long Island too in a winter parka.
Although your life is not easy street at this point I think you could help yourself a little by thinking more about what will be good in your life to come rather than dwelling on negatives. Yes, I do know how hard that is. PMA. Please?
Live your life while you are still living. Riding the trail less traveled.
