False. Girl's thighs are immune to cold and ice damage.
I've seen girls wearing the thickest coat known to man and the biggest fur boots but with no pants and just a leggings and mini skirt (well, as demonstrated in the picture).
That reminds me of the girl who was standing in line outside to register for her wedding date in St. Petersburg from 8 pm to 10 am the next morning without moving. It was mid January, day temperatures were at -22°C, and she wore nylon tights and no hat through all of that. I don't even know how she stayed alive.