In the elevator with someone at work today, he commented on me wearing a knit ski hat.
"What are you gong to wear when it's really cold?" he jokingly asked.
"I dunno...two hats?"
I assume he was just being cordial and friendly*, therefore I didn't give him the real answer - "I'll worry about it when it is really cold."
* Though knowing this person, he may really be wondering...or he may think I should be cold now so I'm somehow better prepared when it's really cold.