Well, 13 if you're counting NFL hunk Christian McCaffrey ... who threw on a Santa hat and put on a belated Christmas extravaganza for his gorgeous model girlfriend!!
The super-attractive couple reconnected on Thursday after spending time with their fams for the holidays ... and the Carolina Panthers stud pulled out all the stops with a bunch of gifts.
"It's never too late for Christmas and Santa's here!!!!!!!!!!," Culpo captioned the shot of McCaffrey under the tree while playing with a toy train.
The 23-year-old Pro Bowler kept the yuletide cheer going while rocking out to a rendition of "Feliz Navidad.