I grew up in northern Indiana/southern Michigan. The snow belt due to lake effect. I used to play outside all day long in the frigid temps and barely noticed it. I can remember coming inside and putting my hands under warm water just to get feeling in them again. lol... I've lived in the south for the past 20 years though. If it gets below 50 degrees, I'm frowning. I get annoyed when I have to manually haul water to the animals because the hose is frozen. Grrr..... I'm spoiled like that.... February is the coldest month here. By March, it'll be back up into the 50's and 60's regularly so I only have to suck it up for a few more weeks. At least this year I have nice toasty warm fireplace to help make it all better! 
