A very different type and cold feel up north here in West Michigan by Lake Michigan. 32F here is sweatshirt temps and throw a light weight nylon jacket over it if the wind is blowing hard like over 15mph. That's all we do and have on here in those temps and have lived here for 76 years now.
Wife and I Went down to north Texas several years ago to visit our friends between Christmas and New Years and about froze when the temp hit 30 degrees and had on long underwear under my pants with a heavy sweater on and a sweatshirt over it and my lined zip up nylon jacket with a hood on it too. Just plain BITTER cold!
Gets that same bitter cold feeling like that in Northern Florida also when a cold front goes thru too. A very different cold feeling and not a soul will venture out. The only time in the winter months there are no traffic jams there!
A superb CC LB 4X4, GM HD Diesel, airbags, Rancho's, lots more
Lance Legend TC 11' 4", loaded including 3400 PP generator and my deluxe 2' X 7' rear porch
29 ft Carriage Carri-lite 5'er - a specially built gem
A like new '07 Sunline Solaris 26' TT