After living in south, central & north Florida for 47 years, moving down there from Rochester, NY & now in northern Va for 15 years - IT IS a different cold. I can be more comfortable up here in the teens & 20's than I could in Fl. at 40° or 50°. I firmly believe it's the humidity that makes the higher temps more uncomfortable. When it gets cold up here, the humidity drops way down - usually 20% range. The most uncomfortable cold I can remember was in Sanford, Fl. I was attending school at the Sanford Naval Academy, which was situated right on Lake Monroe. The eastern winds would have the moisture from the Atlantic, then pick up more crossing the lake. Absolutely the worst chillya to the bone cold at 30+ degrees, I've been more comfortable up here in a tree stand in single digit temps.
But, yes Drew, you are a cold wimp!!