Álvaro Arbeloa.

Because he showed up for the freezing Real Madrid-Mallorca game in a short-sleeved shirt.  And no gloves.

Here is the breakdown of how Madrid’s players were dressed for this snowy game, in order of most to least bravery:

Short-sleeved shirt, no gloves: Arbeloa

Long-sleeved shirt, no gloves: Cristiano, Gago, Benzema, Guti, Granero, Garay

Long-sleeved shirt, with gloves: Kaká, Higuaín, Albiol

Short-sleeved shirt with long-sleeved shirt underneath, and gloves: Marcelo, van der Vaart, Xabi

Note:  Iker was not rated because he wears gloves no matter what, and never a long-sleeved shirt (have you noticed that he cuts the sleeves and bottoms of all his shirts?)  Anyway, he wore a short-sleeved shirt, and a neck protector.  And the gloves, of course.  Maybe the captain’s armband kept him warm?