An apparatus and method of making an upper body heating and cooling garment including heat transfer tubing and quick-release connectors. Operation of the garment is unaffected by the wearer carrying a load on a portion of the wearer's body. The garment includes a heat transfer area and a load bearing area. The heat transfer area includes heat transfer tubing positioned on the surface of the garment. In one embodiment, the tubing is sewn onto the fabric of the garment. The tubing is attached to a thermal unit by connector assemblies that firmly lock together and release upon application of a specified axial tension force. Each connector assembly includes a male and female adapters. The female adapter includes a latching member with an opening that has a bottom. The bottom is configured to allow for easily inserting, retaining, and releasing the male adapter.