Cold sucks, period. Grew up in Iowa, did military stuff in Denver, Wichita, and Korea. Was in all during the winter. The Air Force sent me to Az. in '72 and I liked the lack of snow unless I wanted to go to it. Now, in Fl., it is actually a bit cooler than Az. but still no snow. I see no reason to punish my body so I will be avoiding those temps. and snow as much as possible.
BTW, we almost hit freezing last night but it is back to 54 now. Even worked on the car in the outside this AM.