A garment (100) for selectively warming or cooling a wearer includes a layer of material (101) with one or more pockets (201, 202, 203) coupled thereto. The one or more pockets (201, 202, 203) are configured to selectively receive one or more heating or cooling packs (500). In one embodiment, the one or more pockets (201, 202, 203) include a thermal adjustment layer (405), which may be configured as a thermal adjustment pocket (406), or a foldable layer of material (706). At least a portion of the thermal adjustment layer (405) may be selectively placed either between the one or more heating or cooling packs (204) and the wearer, or between the one or more heating or cooling packs (204) and an outer pocket portion (301) of a pocket (300). The one or more pockets (201, 202, 203) may be detachable from the garment (100), and may be of the same or different material as that of the garment (100).