As a native Southerner growing up in north Alabama where sub-zero temps and a lot of snow is something that happens only occasionally, I had some learning to do when I moved to the Great White North of the Dakotas and Montana. I loved that winter was usually dry and that I could go outside in a t-shirt when it was in the 20s. In Alabama where winter is very humid, that would be bitterly painful and you'd think you were dying from the cold in 20 seconds. That moist air sucks the heat out of you. I remember my first winter (2010) thinking the 3-6 inches of snow we got every week was absolutely beautiful. I felt like I was living in a postcard... until 5 or 6 months of it had me thinking, "JFC! Doesn't this ever end???"
OTOH, I was not really prepared for real cold. I'd never experienced anything below -6. My first winter up here I saw -22. A few years later it hit the lowest temp I've ever experienced, -34. I sort of had this misconception that once it got a little below 0, you couldn't really tell much difference if it got colder. Sort of like if you're soaked, you can't get any wetter. Yeah, not so much. I thought it was just a bit below 0 one night and had to go outside for 15 minutes. I had on a heavy coat and thin leather work gloves with no hat. No big deal. I love the cold. Before I finished and could go back inside, the tops of my ears had begun to really burn and my fingers were REALLY hurting. After I got inside I checked the temp and it was -27. The tops of both ears scabbed over and peeled a couple of times and it took more than 6 months for my fingers to stop feeling a little tingly. Frost bite is no joke.