Does Fat Insulate?

I pondered this question as I sat, shoulders dislocated inward with knees locked tightly, on the bus this morning. I entered the bus today with a strong determination to find a seat. I eagerly sought refuge from my pathetic, miserable, workaday life in the pages of a fiction novel I've been reading. I like to disappear into such stories on the way to and fro my godforsaken workplace. As I scanned the bus right, left and back, I saw but two openings. Or what appeared to be openings. See, they were not normal seat openings, but rather appeared to be half-seats. I quickly surmised the reason; in the seat connected to each empty half-seat sat a heifer of epic proportions. I did not let this dissuade me from my mission to sit and read. I scanned the bulk and the face which sat atop it of each Jersey cow. It appeared the pig on the right might also stink. Why? I don't know, a hunch I guess. She appeared to be someone who stinks is all I can say. Resigning myself to my fate I seated myself next to pig port-side. I made several attempts at asserting myself physically to gain some small portion of my seat back, but to no avail. Each time I thrust an arm and elbow into the mound, the space created was slowly taken back as the pork flesh oozed to fill all voids. Not wanting to strain my shoulder in this losing fight I took out my book and huddled between Tons of Fun and the aisle. It was at this point I noticed the starboard swine was wearing a colossal down parka. I glanced right to see that the pig I went home with also wore a gargantuan down coat. It is 45 degrees today. Certainly not warm, but at least 25 degrees too warm for down parkas. Looking at these women one would think it were colder than a well digger's ass. Others were appropriately dressed, your protagonist included. Maybe I'm wrong, but I thought that fat insulated? I thought the morbidly obese were chronically overheated, foreheads beading sweat as they sat near motionless eating hot dogs at a football game on a 12 degree January day. Perhaps I'm wrong. What I do know is that the rest of us suffer when someone of this stature multiplies their own ample girth with unnecessary goose fill.