Kharma is basically bulletproof. Doesn't matter to her, although one night when we were out walking late, when we headed home we were walking into a fierce, frigid wind and she was ready to get home - as was I!
Neither Kharma nor Bimmer is fazed by rain, cold, snow, thunder, sun, etc., but I do try to keep Bimmer inside when it's really hot since I know his black coat, even though it's highly reflective, will soak up heat. He's really good about finding cool places though.
Kharma's coat repels water like crazy - the opposite of Shiva's. I can only figure it's the difference between a Fila from unadulterated working lines and one from show lines.