I'm like your daughter; I bundle up literally head to toe, pinkie finger to neck, with multiple layers the second it drops below 65. Actually, I'm probably not like her because if she lives where it's literally below freezing and can walk to school in the morning, she's tougher than I am. I'm from Los Angeles, and to me, anything below 60 constitutes freezing, haha.
We can always recognize the tourists from the locals from how everyone is dressed when it's below 60. Angelenos react as though we're going to become human popsicles any moment, that our life is in peril from freezing to death, and the tourists from Canada or wherever are basking in the sunshine in summer clothing. We were mocked a few years ago when the weather forecasters were giving dire warnings about how a cold front was coming in, and everyone needed to prepare, and the rest of the internet was like - you think 55 degrees warrants that panic?, haha.
I'm in college now and have friends from places that are legitimately cold, like Minnesota and Ohio, and I'm always in awe of them wearing shorts and sandals when I'm shivering while fully covered up and wearing a thick puffy jacket plus three layers underneath. Anyways, if your daughter walks to school and others get rides there, that could be one reason why she needs to protect herself thoroughly and they can just jump off the bus or out of the car and dash into school. Does the school tend to crank up the heat? Mine did. If her school does that, then maybe kids don't want to drag around and / or stuff into their lockers scarves, gloves, coats and such. Is your daughter thin? I've always been skinny and think this is a factor for why I'm super sensitive to the cold. For K-12 I always went to schools that required uniforms, a polo shirt and a skirt for girls, or trousers that were not flattering, so everyone always wore the skirt. Most were content with the uniform, but I was chronically cold. I wore multiple pairs of leggings and tights under the skirt, the long sleeve polo and the sweater, plus a jacket, unless it was super sunny and not just warm but hot. I hate being cold. I'm in love with these jackets that are really warm but you can fold them up into a little bag and tote them with you everywhere. I do that even in the summer if I'm going indoors anywhere that might have the AC blasting.