Owlie, I'm cold intolerent...moved away from Ohio years ago for just that reason...northeast Ohio to be more precise. I should probably add that I have (and please, no Hate on this) no fat on my sit bones, sitting in a car for more than an hour hurts them, as does sitting on wooden church pews, wooden chairs etc. I've aways had what I call the "curse of the boney butt" it's like having shoulderblades, but to sit on...not fun at all. Oddly, I remember NO discomfort at all with the Banana seat I used to ride on...I may have to look for an old bike that would take one...something other than a fixie though...at my current age/conditioning, I'm not up to not being able to downshift to take hills!