Sarah I agree with you.
I still go to my old work (child care centre) a bit and we have some parents there who just have no clue.
6 month old baby (its about 17 in melbourne today) in trackie pants and a long sleeve t-shirt...no singlet, no socks, no blanket.
Then theres BJ, singlet, long sleeve body suit (the button between the legs style), grow suit (if it has feet I put socks over, if no feet he wears a pair of bonds leggings with feet in them underneath), a cardi or jacket, hat if the cardi or the jacket doesnt have a hood, mittens, and a blanket (usually pulled up over his head for the transfer from car to inside (cause of the wind taking his breath away!)

And I get grumpy with myself if he runs out of long sleeve body suits and has to wear a short sleeved one!
If he's wearing trackies, he has leggings under, and a long sleeve t-shirt on top of singlet and body suit (then jumper or jacket etc).

I HATE being cold so I make sure he isn't either!