Cold is relative. What's seriously cold weather in one area is unthinkable in another. Or to put it another way people in milder climates suffer as much at 36F as someone in a harsher climate suffers at 10F.
At least that's my theory, based in part on the few climates I've experienced, and how cold 34F seems at the beginning of winter and how WARM it seems at the end!
We were walking to the grocery store a few weeks ago and it was so cold and windy that both my husband and daughter complained their faces hurt. I was surprised, because it didn't seem that cold to me.
Then a few days ago I learned that there are physiological changes that happen in the skin of the faces of eskimos and in the feet of barefoot runners--any place where skin is routinely exposed to extreme cold. That explains why my face didn't hurt from the cold wind.
2009 Trek 7.2FX WSD, brooks Champion Flyer S, commuter bike