Hmm. It was -18C on Christmas Eve. I (male) wore nice pants, a nice shirt, a WARM sweater, all under my winter coat which I did take off during Mass. Which is pretty much what I wear at any winter Mass. It gets c-c-c-c-o-l-d up here in Quebec! I did notice that the ladies were more nicely turned out than usual. My wife was dressed pretty much like me… we don’t suffer the cold gladly. I was in awe of the women who would wear skirts and hose in that weather.
FWIW as a male I rarely wear a tie, whether at Mass or elsewhere, usually only if it’s a wedding, a funeral or a job interview. I consider ties an instrument of medieval torture.