Extremities have a high surface area to volume ratio, meaning there is less ‘stuff’ underneath every square centimeter of skin. Your skin radiates heat and the stuff underneath generates that heat so you lose a lot more heat from hands and feet than you do elsewhere.
Hands and feet also have high concentrations of sensory nerves so you feel things more intensely in those areas and will feel cold or hot there first.
So you lose heat most rapidly from the places that are most likely to notice a temperature difference.
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