> Have you seen a doctor about this just to make sure you don't have circulation issues?

Yes, doctor said I have poor circulation in my extremities. Except she said that using Latin, so that was super helpful. /s

From what I've read, the body primarily measures core temp around the chest, so wearing lots of layers on the body can cause the extremities to get cold since the body goes "everything is warm enough, no need to even try and warm things up with extra blood flow!"

So paradoxically, wearing less clothes can help.