Sounds like an underlying medical problem, but it's actually All The Gear All The Time which, in this tropical weather is easier said than done. I haven't yet reduced myself to flip-flops, tee-shirt and shorts when on the bike, but it's a common sight around here.
Jeans, tee-shirt, boots and protective jacket at all times for me, even if it's a little uncomfortable. I leave the gloves off though, which is my only concession, depending on the journey.