Green’s Dictionary of Slang

(Aus.) wearing warm clothes.

1968		J. Alard He who Shoots Last 205: Ya puttin’ on more side dan a rat wif a gold tooth. Da Earl’s all rugged like da Derby favourite.
1997		P. Maxwell ‘Of Gabb and Gales’ at climber.org 🌐 Too bad the wind was blowing from the west, as it meant we couldn’t be in the sun and out of the wind at the same time. Chris decided sun was more important, and sat reading a book all rugged up in her down jacket.
2004		M.B. ‘Chopper’ Read Chopper 3 45: When you’re all rugged up, the boys lose interest.