I think you just invented a new hybrid? Has the leg coverage of a full length but the extra torso insulation of one of those new half UQ. I like it.
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I my opinion Clo is an odd measure of insulation.
But here it is.
The insulation of clothes are often measured with the unit "Clo", where
1 Clo = 0.155 m2K/W
Zero (0) Clo corresponds to a naked person.
One (1) Clo corresponds to a person wearing a typical business suit.
Like I said an odd measure of insulating value.