I'm in Chicago so cold doesn't ever scare me. The high was 10 F yesterday and shattered our records. Today was like a heat wave in the mid 20's F (just pulled that up in C, -3 high, -6 low, and "feels like" -11 with the wind chill today.

Yesterday when I had to run around I did grab my heavy Hoodie and put on a hat and gloves. Takes around -5 F (-20 C) for me to move to an actual winter coat.