I think shivering is a good indication. My Rylie was shivering last weekend out in the rain and I wished I had put his coat on. Max on the other hand seemed unperturbed. My rule of thumb when it's cold (which it isn't here yet) is that if I am taking them out for more than a few minutes I will put a coat on. If they are going out in the yard when they are free to come in whenever they wish I don't. I think their weight comes into. Rylie has very little in reserve while Max is heavier (although not overweight).
Mindy Tri - Feb/97
Max - Ruby - Sep/08
Rylie - B&T - June/09
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