Because that’s where the parts are that need the most protection. All your vital organs are in your belly and chest, except for the brain of course. Fat is great insulation, and helps keep you warm. When it’s cold, the first thing that cools off are your hands and feet, then arms and legs. Your body pulls blood out of them to keep your blood warm and around your organs. You can live without a finger that froze off, but not with a damaged liver or undercooled kidneys.
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