Mothman
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I'm kind of by-passing this issue in my game. The way I play it, the Cauldron region is sub-tropical, but being up on top of a mountain, the town itself has more of a temperate type climate - and since the original settlers were from a colder clime, they've never really seen fit to adopt to a more tropical style of armour and clothing.
Also, most of my campaign will take place in winter, which Ive decided is relatively cool even down in the jungle - enough so that wearing heavy armour is not unfeasible.