Wherever the body stores fat, there’s very few blood vessels internally in that area. If you’ve ever seen [what fat looks like](https://www.researchgate.net/figure/Removal-of-the-deep-fat-in-the-proximity-of-the-midline_fig4_258226299) (NSFW) when a body is opened up, it’s mostly white/yellow fat cells with very few arteries. Your blood is what keeps you warm, circulating around your body, just like hot water in a circulating heat system for houses. Any place that gets cold may have very poor circulation. Backs of your upper arms, love handles, hands, feet, etc.
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