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Definitely sexy, but I also feel a bit guilty about thinking that, since she's obviously rather miserable at the moment...

Fortunately, the odds of a girl actually being outside dressed like this (particularly with it being that cold) aren't actually very high. The unreality of anime/manga strikes again.
Is there a name for that when a girl is out in cold with nothing but gloves and scarf or is it some sort of recent fetish?