On this particular chilly March day, my rider came after school with a friend instead of mom. I assigned her a bareback (did not have to put saddle on the horse) ride so she prepared quickly. She had no jacket. I didn't say a word, just got her on the horse.
After she rode about 5 minutes, she told me she was cold. I asked if she brought more clothes and she said yes. She got down and went to the car. About 5 minutes elapsed before she came back. When she returned she was now dressed in white thermal underwear, top and bottom - no clothes over it. I didn't say anything. She climbed back on and lasted about 5 more minutes.
This time it was, "Miss Wendy, I think I need more clothes on." Down she came and off she went to try one more time. When she came back she had jeans over the underwear bottoms.