ExploderWizard
Hero
I know I'm going to regret bringing this up but...where does magic fall in this equation?
A 1st-level endure elements spell (or magic item that allows for that) solves that problem. Likewise for impractical-looking armor that has a +5 enhancement bonus, or is just normal armor with the glamoured property, etc. (Strictly speaking I don't know if any of that is going to be in 5E, but the larger point is at least worth the discussion.)
Such things might exist but what sensible adventurer is going to rock a loincloth on an arctic expedition just because someone in the group has endure elements?

That is right up there with skipping food & water because the cleric can create it. Next thing you know the party is weeks away from anything and the cleric gets killed.

In the jungle, it doesn't matter what the armor is glamoured to look like, it's a matter of encumbrance and heat exhaustion. So if that plate armor magically looks like a chainmail bikini, you would still be better off with an actual chainmail bikini because heatstroke isn't sexist.
