When mine shiver they get dressed. Peanut, the LC, rarely shivers. The other two SC, have very thin coats and naked bellies. They need clothes even indoors. Piper is very thin and wears something almost all the time to prevent shivering. Something I've noticed that may be related, Peanut pants when it gets warm. The other 2 don't pant.
He prayeth best, who loveth best, all creatures great and small.