Puddie has a thick cotton coat that would put a ChowChow to shame. It's nearly impossible to groom him - he needs thinning shears. I've never seen him react adversely to weather, but we live in Central FL, so our winters aren't "extreme" by any stretch of the imagination compared to what would be experienced if we lived up North.
Bella has a long thin coat. She's a delicate little dust mop. She likes to play with the boys and will run outside to romp, but doesn't stay long. She just turned 2, so she's only had one winter. When it got cold, she would shiver if she was on the (tile) floor, but would either make a nest of throw blankets on the couch, or sit at my feet and look so pathetic I'd just HAVE to pick her up to cuddle

.
My dogs have the option of using the doggie door to go out into the back yard or piddle pads. If it's cold or wet, the pads get used. If it's nice, they can go DAYS without using them.
But I have sweaters and even heavy jackets for them if we go out. Otherwise, they just pop in and out quickly. But I don't have severe weather here.
Consider: They have very short legs; those short legs put them in very close proximity with the ground. The ground is very cold, and reflects as much. We usually keep their bellies shaved for hygiene purposes, so there's not much protection. Ask your BF if he'd like to lay on the ground, exposing his dangly parts to the cold?

If not, then don't gripe about something to keep the little guy warm. After all, a German Shepherd stands WAY away from the ground as compared to a Yorkie