Maybe I'm a sissy, but if it gets below around 20 degrees F, I'm not comfortable camping in a tent or similar. I dislike getting up in the morning and getting out of a warm sleeping bag into cold temps. But you have to get moving as daylight's burning. Wind and humidity are killers in the winter. You also become accustomed to the cold (blood gets thicker). It is one of the reasons that folks are healthier in the cooler climates. The cold never felt so cold as it does in the South. I suspect it is mostly due to the humidity levels.