I have an ongoing debate with my mother about my 11m DD being too cold and that I either don't dress her warm enough or the air temperature is too cold for her to have 'no nappy' time. So just how cold is too cold and wouldn't my baby tell me if she were too cold? I usually follow the 'one layer more than me' rule but when the house is warm in the evening I do let her have nappy off time. Also when she is in the bath, she always stands up and her torso gets cold to the touch. She never shivers, I am not that cruel!