Answer
When we wear layers of clothing, there is air trapped between the layers. The air trapped between layers of clothing increases the time it takes to reach thermal equilibrium.
Work Step by Step
It takes time for our clothes to reach thermal equilibrium with the surrounding cold air. When we wear layers of clothing, there is air trapped between the layers. The air trapped between layers of clothing increases the time it takes to reach thermal equilibrium. We can think of the trapped air as a form of thermal insulation.