I know this is a constant bugbear for parents but DH and I have just had it one too many times over the last couple of weeks!
Today DD was wearing a fleece sleepsuit over her normal outfit and covered up with a blanket folded in four so quadruple thickness. Admittedly no hat (she went into meltdown when I tried to put that on before we left the house) but she has a nice padded head protector and she wasn't crying. And yet an elderly couple felt that need to comment that she looked cold.
Now, had they said DD looked hungry (permanently sucking fists/sticking out tongue - 12 week growth spurt) or tired (rarely sleeps during the day - life is far too exciting!) they might have had a point!
How about 'That mum looks tired/hungry/worried that despite constantly striving to meet her baby's needs she is somehow failing miserably' for a change?
Sorry - rant over :o