I agree with Grog, and think you have to take into consideration what the normal temperature range is around there. Here in Oslo everyone is used to temps down to -10 to -15 C, but -15 to -20 is quite rare. It happens, but not every winter, and not for long. Last week we had a cold snap, and when it was colder than -15 C the kids were allowed to stay indoors for recess. I think it was a combination of a bit too much hassle to get dressed, and that some of them maybe didn't have warm enough clothes. Not everybody around here is born and raised in a cold climate.
Winter riding is much less about badassery and much more about bundle-uppery. - malkin
1995 Kona Cinder Cone commuterFrankenbike/Selle Italia SLR Lady Gel Flow
2008 white Nakamura Summit Custom mtb/Terry Falcon X
2000 Schwinn Fastback Comp road bike/Specialized Jett