Mere hut is shaking and most affected by cold, say (9)

I believe the answer is:

rheumiest

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'and most affected by cold say' is the definition.
I can't tell whether this definition defines the answer.

'mere hut is shaking' is the wordplay.
'shaking' indicates an anagram.
'mere'+'hut'+'is'='merehutis'
'merehutis' anagrammed gives 'RHEUMIEST'.

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I've seen this clue in The Independent.

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