Don't feel bad. It's colder than you usually deal with and system shocking.
Once it hits close to zero (F), anything colder than that feels about the same: REALLY COLD. Even a slight breeze makes it worse. You layer up, cover every bit of exposed skin you can, put a scarf over your mouth and nose, take your glasses off so you can see (they will fog up no matter what), and do what you must outside as quickly as possible. Even a decorative fabric scarf helps keep the air from knifing your lungs. The only critters moving around seem to be the magpies and crows. Keeping the kettle hot and snuggling down under a throw on the couch are a big part of dealing with it too.
I don't much like the heat above 85F, but I can deal with it. Add humidity to it and I'm miserable. (I suspect my Scandinavian heritage plays into that a bit.)
Warmer days taxes
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