wrote

Ya wanna be out in the fog on the Avalon Peninsula with a 40 knot
Nor-Easter blowin' at about 33F, bye!!! Then y'all'll know what cold
is!!!!

I ferried a sailboat across part of Lake Erie in November, with a water
temperature of about 36F, and an air temperature of about 15F with the wind
blowing about 25 knots.

Nothing like that damp cold.
--
Jim in NC