last time we were in Florida at Christmas time we were very comfortable in shorts and tees....a lot if not most people had coats and you would see the odd person with fur on
Noticed one truck from Texas out in the parking lot with an older couple in it. Windows all up and she was wearing earmuffs
...bet the heat was just pumping inside....They likely thought we were nuts.
It really isn't that bad here though..might get a week or two at -30 to sometimes even -40 but generally it is decent..lots of snow which is fun..
I am sure some of the members from Alberta and Sask. would say it can get much colder than -40.