Actually, temperature is not the only thing that matters for whether one thinks it's cold or not. Used to live in a place that never saw temperatures drop more than a few degrees below 0C, but it was always wet (rain, sleet) and windy and I have never been freezing as much as I did those years. I now live in a place that regularly see --15C for weeks and that inevitably get at least a few days each winter with temps of -30C or lower. But the climate is much dryer and usually much less windy, and I never really become cold. So temperature is only one part of the equation....