Jesus... I never thought I'd ever read that Finns could be someone's idols when it comes to elegance. But if you fancy wearing sports overwear [0] fitted in your rubber boots, after all...
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[0] don't forget to buy the exact same model for your partner, and wear it at the same time, if you want to pass as a true Finnish couple.
If you keep up with current events you might have noticed that Finland has become a prominent country in the worldside design and fashion world.
I for example have never heard of this kind of joke being said or written anywhere.
For example the Aalto University in Finland is currently one of the best ranked universities for art, design and fashion. None of the other nordic countries are even in the top ten. Sweden is not even in the top 25.
That is a pretty different picture than the academics side of fashion...
Like I said, there is a lot of objective evidence to point to the contrary of what you are purporting. But hey, up to you if you want to beleive it or not.
I think you would do well to seperate the clothing/availability of the capital Helsinki, vs. rest of Finland.
Yes, outside of Helsinki and with the older population clothing is very utilitarian and wind-resistant sportsy clothing worn all round the year is common. The biggest seller of clothing items in Finland nationally is a supermarket chain.